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Even if you take money out of the equation, people need the productive output of other people to survive.
A man alone on a desert island cannot retire. As soon as he is unable to provide for himself, he dies. Yes, he can accumulate certain "savings," but much of what is needed to survive cannot be banked and used later. Food storage is limited, and any method of long term food storage tends to require additional processing to be edible, so there will always need to be some kind of just-in-time cooking process to keep people fed. Same with shelter, where maintenance needs will always be there, or health care, where real time treatment will always need to be done.
In a society with a shrinking population, there will be an unrelenting pressure to simply stop supporting those who are not productive. And those who are productive will selfishly shape that society to cover their own needs first.
That's not just capitalism, it's every economic system. Taking care of our elderly and our disabled is a luxury of a prosperous society. If the ratio goes out of wack, the willingness to continue supporting that luxury may not always be there.