Pension and retirement savings schemes are few in number and underutilized, because the majority of workers are not salaried employees, but rather self-employed. Although the two-tiered health care system includes a public system, it is poorly funded and faced with severe shortages. There is no public support system for children and adolescents, many of whom are victims of child labour. The growth of the informal economy has led to declining tax revenues and greater poverty and insecurity for workers.