A Recurring Capture Pattern in Social Security Systems( health, pension, and care systems across the lifecycle): Why social protection tends to optimize each system separately rather than the lifecycle as a whole

In many social security systems, institutions tend to optimize each stage-specific function separately rather than aligning resource allocation across the full human lifecycle. This paper documents a Recurring Capture Pattern (RCP) observed in lifecycle-segmented social security systems. Under the institutional condition of segmented institutional structures with different objective functions designed around separate life stages, individually rational behavior systematically converges not toward resource allocation consistency across the full lifecycle, but toward local optimization within each institutional subsystem. As these behaviors accumulate, they alter the operational conditions of the system itself, resulting in increased inter-institutional resource competition and overlapping institutional application, along with the institutional amplification of unhealthy periods, and reinforcing the same behavioral convergence through a recursive institutional feedback loop. The pattern ultimately produces structural misalignment of lifecycle-wide resource allocation and the institutional amplification of unhealthy periods, indicating a structural misalignment between institutional objectives and rational behavioral adaptation. This paper analytically describes the structural relationship between institutional design and rational behavioral adaptation. The document does not propose policy implementation, funding structures, benefit levels, or normative judgments regarding institutional adoption, but instead presents design principles and operational modules as analytical references for institutional design.