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I think it's a little defeatist. Plus in these days of rising education levels, I do think a degree is a slightly arbitrary measure of one's likelihood of living a professional, or otherwise economically sucessfull life.
If I were 50 and interested in learning a new trade, or just looking to study something part-time, I might be dissuaded from doing so if I thought it would alter my retirement age.
I do think it's reasonable to allow for different retirement ages, but can't think of a way of doing that that might have negative results on the more cynical members of the populace. Everyone should be encouraged to better themselves, finding a balance between that and providing fair social security is a very very difficult task.
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