@Godcast @BroDrillard @Balrog @Eiswald @GrungeQueef @RealRaul the problem with a 401k is that the growth demand doesn't go away, so the end result is always a blackstone and too big to fail.

I think the basic issue is that a society owes a responsibility to those that can't figure out stuff like retirement, but whenever you have a giant pot of money sitting around it's a breeding ground for corruption.