Not just 401k. Saving is always a risk, because people spend themselves into poverty and claim the same benefits as people who never has income. This is why you

Not just 401k. Saving is always a risk, because people spend themselves into poverty and claim the same benefits as people who never has income. This is why you pay a higher interest rate on loans than you get on investments -- to cover for deadbeats. Ultimately, you have to be happy that spenders overlay for stuff, and the interest gains on savings are better than the tax hit, and day-to-day financial security makes you feel good and finances better opportunities -- like you can afford to move for a job or whatever.