PARIS — Across Western Europe, the “lifestyle superpower,” the assumptions and gains of a lifetime are suddenly in doubt. The deficit crisis that threatens the euro has also undermined the sustainability of the European standard of social welfare, built by left-leaning governments since the end of World War II.

Europeans have boasted about their social model, with its generous vacations and early retirements, its national health care systems and extensive welfare benefits, contrasting it with the comparative harshness of American capitalism.

Europeans have benefited from low military spending, protected by NATO and the American nuclear umbrella. They have also translated higher taxes into a cradle-to-grave safety net. “The Europe that protects” is a slogan of the European Union.

But all over Europe governments with big budgets, falling tax revenues and aging populations are experiencing rising deficits, with more bad news ahead.

With low growth, low birthrates and longer life expectancies, Europe can no longer afford its comfortable lifestyle, at least not without a period of austerity and significant changes. The countries are trying to reassure investors by cutting salaries, raising legal retirement ages, increasing work hours and reducing health benefits and pensions.

“We’re now in rescue mode,” said Carl Bildt, Sweden’s foreign minister. “But we need to transition to the reform mode very soon. The ‘reform deficit’ is the real problem,” he said, pointing to the need for structural change.

The reaction so far to government efforts to cut spending has been pessimism and anger, with an understanding that the current system is unsustainable.

In Athens, Aris Iordanidis, 25, an economics graduate working in a bookstore, resents paying high taxes to finance Greece’s bloated state sector and its employees. “They sit there for years drinking coffee and chatting on the telephone and then retire at 50 with nice fat pensions,” he said. “As for us, the way things are going we’ll have to work until we’re 70.”

In Rome, Aldo Cimaglia is 52 and teaches photography, and he is deeply pessimistic about his pension. “It’s going to go belly-up because no one will be around to fill the pension coffers,” he said. “It’s not just me; this country has no future.”

Changes have now become urgent. Europe’s population is aging quickly as birthrates decline. Unemployment has risen as traditional industries have shifted to Asia. And the region lacks competitiveness in world markets.

According to the European Commission, by 2050 the percentage of Europeans older than 65 will nearly double. In the 1950s there were seven workers for every retiree in advanced economies. By 2050, the ratio in the European Union will drop to 1.3 to 1.

“The easy days are over for countries like Greece, Portugal and Spain, but for us, too,” said Laurent Cohen-Tanugi, a French lawyer who did a study of Europe in the global economy for the French government. “A lot of Europeans would not like the issue cast in these terms, but that is the storm we’re facing. We can no longer afford the old social model, and there is a real need for structural reform.”

In Paris, Malka Braniste, 88, lives on the pension of her deceased husband. “I’m worried for the next generations,” she said at lunch with her daughter-in-law, Dominique Alcan, 49. “People who don’t put money aside won’t get anything.”

Ms. Alcan expects to have to work longer as a traveling saleswoman. “But I’m afraid I’ll never reach the same level of comfort,” she said. “I won’t be able to do my job at 63; being a saleswoman requires a lot of energy.”

Gustave Brun d’Arre, 18, is still in high school. “The only thing we’re told is that we will have to pay for the others,” he said, sipping a beer at a cafe. The waiter interrupted, discussing plans to alter the French pension system. “It will be a mess,” the waiter said. “We’ll have to work harder and longer in our jobs.”

Figures show the severity of the problem. Gross public social expenditures in the European Union increased from 16 percent of gross domestic product in 1980 to 21 percent in 2005, compared with 15.9 percent in the United States. In France, the figure now is 31 percent, the highest in Europe, with state pensions making up more than 44 percent of the total and health care, 30 percent.

The challenge is particularly daunting in France, which has done less to reduce the state’s obligations than some of its neighbors. In Sweden and Switzerland, 7 of 10 people work past 50. In France, only half do. The legal retirement age in France is 60, while Germany recently raised it to 67 for those born after 1963.

With the retirement of the baby boomers, the number of pensioners will rise 47 percent in France between now and 2050, while the number under 60 will remain stagnant. The French call it “du baby boom au papy boom,” and the costs, if unchanged, are unsustainable. The French state pension system today is running a deficit of 11 billion euros, or about $13.8 billion; by 2050, it will be 103 billion euros, or $129.5 billion, about 2.6 percent of projected economic output.

President Nicolas Sarkozy has vowed to pass major pension reform this year. There have been two contentious overhauls, in 2003 and 2008; the government, afraid to lower pensions, wants to increase taxes on high salaries and increase the years of work.

But the unions are unhappy, and the Socialist Party opposes raising the retirement age. Polls show that while most French see a pension overhaul as necessary, up to 60 percent say working past 60 is not the answer.

Jean-François Copé, the parliamentary leader for Mr. Sarkozy’s center-right party, says that change is painful, but necessary. “The point is to preserve our model and keep it,” he said. “We need to get rid of bad habits. The Germans did it, and we can do the same.”

More broadly, many across Europe say the Continent will have to adapt to fiscal and demographic change, because social peace depends on it. “Europe won’t work without that,” said Joschka Fischer, the former German foreign minister, referring to the state’s protective role. “In Europe we have nationalism and racism in a politicized manner, and those parties would have exploited grievances if not for our welfare state,” he said. “It’s a matter of national security, of our democracy.”

France will ultimately have to follow Sweden and Germany in raising the pension age, he argues. “This will have to be harmonized, Europeanized, or it won’t work — you can’t have a pension at 67 here and 55 in Greece,” Mr. Fischer said.

The problems are even more acute in the “new democracies” of the euro zone — Greece, Portugal and Spain — that embraced European democratic ideals and that Europe embraced for political reasons in the postwar era, perhaps before their economies were ready. They have built lavish state systems on the back of the euro, but now must change.

Under threat of default, Greece has frozen pensions for three years and drafted a bill to raise the legal retirement age to 65. Greece froze public-sector pay and trimmed benefits for state employees, including a bonus two months of salary. Portugal has cut 5 percent from the salaries of senior public employees and politicians and increased taxes, while canceling big projects; Spain is cutting civil service salaries by 5 percent and freezing pay in 2011 while also chopping public projects.

But all three need to do more to bolster their competitiveness and growth, mostly by changing deeply inflexible employment rules, which can make it prohibitively expensive to hire or fire staff members, keeping unemployment high.

Jean-Claude Meunier is 68, a retired French Navy official and headhunter, who plays bridge to “train my memory and avoid Alzheimer’s.” His main worry is pension. “For years, our political leaders acted with very little courage,” he said. “Pensions represent the failure of the leaders and the failure of the system.”

In Athens, Mr. Iordanidis, the graduate who makes 800 euros a month in a bookstore, said he saw one possible upside. “It could be a chance to overhaul the whole rancid system,” he said, “and create a state that actually works.”

AN OLD MANUSCRIPT
FRANZ KAFKA

It looks as if much has been neglected in our country’s system of defense. We have not concerned ourselves with it until now and have gone about our daily work; but things that have been happening recently begin to trouble us.

I have a cobbler’s workshop in the square that lies before the Emperor’s palace. Scarcely have I taken my shutters down, at the first glimpse of dawn, when I see armed soldiers already posted in the mouth of every street opening on the square. But these soldiers are not ours; they are obviously nomads from the North. In some way that is incomprehensible to me they have pushed right into the capital, although it is a long way from the frontier. At any rate, here they are; it seems that every morning there are more of them.

As is their nature, they camp under the open sky, for they abominate dwelling houses. They busy themselves sharpening swords, whittling arrows and practicing horsemanship. This peaceful square, which was always kept scrupulously clean, they have made literally into a stable. We do try every now and then to run out of our shops and clear away at least the worst of the filth, but this happens less and less often, for the labor is in vain and brings us besides into danger of falling under the hoofs of the wild horses or of being crippled with lashes from the whips.

Speech with the nomads is impossible. They do not know our language; indeed they hardly have a language of their own. They communicate with each other much as jackdaws do. A screeching of jackdaws is always in our ears. Our way of living and our institutions they neither understand nor care to understand. And so they are unwilling to make sense even out of our sign language. You can gesture at them till you dislocate your jaws and your wrists and still they will not have understood you and will never understand. They often make grimaces; then the whites of their eyes turn up and foam gathers on their lips, but they do not mean anything by that, not even a threat; they do it because it is their nature to do it. Whatever they need, they take. You cannot call it taking by force. They grab at something and you simply stand aside and leave them to it.

From my stock, too, they have taken many good articles. But I cannot complain when I see how the butcher, for instance, suffers across the street. As soon as he brings in any meat the nomads snatch it all from him and gobble it up. Even their horses devour flesh; often enough a horseman and his horse are lying side by side, both of them gnawing at the same joint, one at either end. The butcher is nervous and does not dare to stop his deliveries of meat. We understand that, however, and subscribe money to keep him going. If the nomads got no meat, who knows what they might think of doing; who knows anyhow what they may think of, even though they get meat every day.

Not long ago the butcher thought he might at least spare himself the trouble of slaughtering, and so one morning he brought along a live ox. But he will never date to do that again. I lay for a whole hour flat on the floor at the back of my workshop with my head muffled in all the clothes and rugs and pillows I had, simply to keep from hearing the bellowing of that ox, which the nomads were leaping on from all sides, tearing morsels out of its living flesh with their teeth. It had been quiet for a long time before I risked coming out; they were lying overcome round the remains of the carcass like drunkards round a wine cask.

This was the occasion when I fancied I actually saw the Emperor himself at the window of the palace; usually he never enters these outer rooms but spends all of his time in the innermost garden; yet on this occasion he was standing, or so at least it seemed to me, at one of the windows, watching with bent head the on goings before his residence.

“What is going to happen?” we all ask ourselves. “How long can we endure this burden and torment? The Emperor’s palace has drawn the nomads here but does not know how to drive them away again. The gate stays shut; the guards, who used to be always marching out and in with ceremony, keep close behind barred windows. It is left to us artisans and tradesmen to save our country; but we are not equal to such a task; nor have we ever claimed to be capable of it. This is a misunderstanding of some kind; and it will be the ruin of us.”