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Yes, that includes your retirement. But the vast majority of shares are not held in retirement accounts. Moreover, your retirement accounts tie you to the system, ensuring #Capitalism's long-term endurance.

Also, if we lived in a different system, you wouldn't need shares of companies and profit you did not earn from labor you did not perform. You could earn the full value of your labor where you do work.

We could even be living in a world where we don't need to personally hoard our wealth for retirement, disability, and other issues, but instead we provide for each other out of basic human compassion and community.