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I can see nothing wrong with this.
(lemmy.nz)
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A collection of some classic Lemmy memes for your enjoyment
So you just said about 20 years of life is only twice that of the last three years of life for your starting figure. Add in college and it's still not that egregiously more.
You feel the need to add public school costs, but not add in medicare, social security, and other expenses exclusive to old age.
Medicare and SS are prepaid. So you need to figure out the difference between if that money was invested instead of taken in taxes. Then it would be the amount that retires take over that amount.
Please show numbers!