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Civilization is drugs, alcohol, engines of war, prostitution, machines and machine slaves, low wages, bad food, bad taste, prisons, reformatories, lunatic asylums, divorce, perversion, brutal sports, suicides, infanticide, cinema, quackery, demagogy, strikes, lockouts, revolutions, putsches, colonization, electric chairs, guillotines, sabotage, floods, famine, disease, gangsters, money barons, horse racing, fashion shows, poodle dogs, chow dogs, Siamese cats, condoms, peccaries, syphilis, gonorrhea, insanity, neuroses, etc., etc.
The term joint-life payout is a payout structure for some retirement accounts which allow the account holder to name an additional beneficiary who receives the payouts in the event of their death. The beneficiary is usually required to be a surviving spouse. This ensures that the surviving spouse still has a form of income after the account holder dies.