Will America soon get more realistic about the “Silver Tsunami” of Baby Boomers heading into old age? So far, the nation’s policymakers have mostly been in denial, though it’s probably the biggest fiscal and social challenge of the next few decades in America and Western Europe.

But then, most Boomers themselves have been in deep denial. Many have not saved nearly enough money. They might have been lulled into complacency by seeing how many of their parents, beneficiaries of historical luck, have lived comfortably on old-fashioned defined-benefit pensions (and Social Security), which many of them started enjoying upon remarkably early retirements.

Some of the oldest Boomers — those born in the late 1940s — have those traditional pensions; most of the younger ones will have to settle for, at the most, 401(k)s. Meanwhile, most Boomers underestimate how much ill health will beset them as they age.

But there are even bigger problems. Consider how dispersed America (capital of anomie) has become. As always, many families with children break up as couples divorce — though more and more the couples don’t get married in the first place — and people move far away from “home” to seek jobs or better weather, or are just restless. This leads to a sharp decline (accelerated by modern birth control) in the number of large but close-knit families. At the same time, there has been a huge increase in the number of younger families where only a very harried mother, who may well never have been married, is the sole parent in place, amidst a societal emphasis on “self-actualization” above family and civic duties. All these factors mean that a lot of old people won’t have the family supports enjoyed by previous generations of old people, even as they generally live longer, albeit with chronic illnesses.

There are, of course, retirement communities, with some of the high-end ones set up like country clubs. The better ones have gradations of care, from independence, within a rather tight if safe community, organized by for-profit or nonprofit organizations, to “assisted living,” which usually involves residing in an apartment and getting help with some daily tasks, and, last, the nursing-home wing for those who have slipped into full-scale dementia or are otherwise disabled.

But plenty of people can’t afford to live in a retirement community.

More realistic and pleasant for many folks are such organizations as the Beacon Hill Village model, in Boston. In this, for hundreds of dollars a year in dues you become part of a formal network of old people (and thus indirectly the networks of their families and friends) and get such services as easy access to transportation, shopping, some health-care connections and trips to cultural events. The central idea is to let people “age in place” — to stay in their homes as long as possible.

Of course, most old people eventually get very sick and end up in the hospital and/or nursing home. But the Beacon Hill approach is attractive — if you can afford the dues.

The fact is that most oldsters will have to create their own informal networks of family and friends to help look after each other as their mobility declines. And in the end, the majority must depend on family members, if they can find them. So often, obituaries report that the recent decedent was at the time of demise in some strange place with no seeming link to his or her past. It’s very often the community where a child — more often a daughter — has been living. As Robert Frost said: “Home is the place where, when you have to go there, they have to take you in.” “They” generally means a relative, not a friend.

Until then, will you have enough loyal friends to look after you when you get really old? You’d better make sure that your pals include some folks too young to live in retirement communities.

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Hurrah for “Higher Education: Marijuana at the Mansion,” Constance Bumgarner Gee’s well-written memoir. Most of the self-published book is about her time as the wife of the very driven, peripatetic and big-spending E. Gordon Gee, who has led the University of Colorado, West Virginia University (twice), Ohio State University (twice) and Brown University, where he had the tough luck to succeed the much-liked  and world-class hugger Vartan Gregorian, who had gone on to run the Carnegie Corporation of New York.

There’s lots of, by turns, hilarious and sad personal stuff in the book — about her sometimes bizarre relationship with her immensely well-paid and workaholic husband, the silly controversy about her using marijuana to treat her Meniere’s disease, her love of her riverfront house in Westport, Mass., and her ambivalent attitude toward her native South. But best is her vivid portrayal of university boards and administrations these days.

It’s not a pretty picture. The social climbing, empire-building, brand obsession, backstabbing and money-grubbing don’t present many good civic models for today’s students. The  stuff at Brown was bad; it was much worse at Vanderbilt in Mrs. Gee's story. Big universities are starting to look like New York City hedge funds whose partners are driven to build ever bigger houses to show off to each other in East Hampton.

Now to reread Mary McCarthy's novel "The Groves of Academe''.

Robert Whitcomb (rwhitcomb51@gmail.com), a former editor of The Providence Journal's editorial pages,  is a Providence-based editor and writer.