The Committment Problem That May Make a Forced Savings Social

The committment problem that may make a forced savings social security program beneficial is best described by:

A) too much saving by households becasuse the government cannot committ to providing zero retirement assistance.
B) borrowers are unable to committ to a high real interest rate.
C) young households cannot committ to participating when they are old.
D) the government cannot commit to providing benefits when old.
E) under saving by households because the government cannot committ to providing zero retirement assistance.