The problem is relevant to the country you are living in and how it addresses your needs. especially when you have retired or getting old. Most of the retirees in Pakistan keep their money in the National Savings and earn profit on a monthly basis.If the state is capable of taking care of its citizens, as in a welfare and an Islamic state, there will be no such investment as all the needs will be met by their government. In present times we all feel insecure and have to seek refuge in national savings. The government calls it profit and so do I. There is no exploitation involved. In a society based on interest , it is not possible to practice Islam in isolation.