The total amount of money increases over the time and that is exactly why stock market performs over the time. There are more people coming to the work force and they contribute to IRA, 401k, SEP, and buy stocks/mutual funds on their own. Sounds familiar? yes, this is a scam to make wall street fat rats getting fatter.
Doomsday comes when people are scared by financial crisis or come to realize that stock market is actually a Ponzi scheme and stop throwing money into this monster.