It needs to be optional. It is literally an investment with a negative return; generational theft. It only exists to (sort of) line the pockets of the previous generation and should either be overhauled completely or abolished in full.

If you had the option, would you willingly dump hundreds of dollars a month into an IRA that only offers a fraction of the contribution in return? Fuck no!

Boomer is incapable of understanding this basic concept.