Completely private accounts are called savings accounts; governments aren't telling you what to do with your money, they're telling you what you have to do in o

Completely private accounts are called savings accounts; governments aren't telling you what to do with your money, they're telling you what you have to do in order to avoid that money being taxed, IRA's offer you a benefit, that benefit isn't without strings. Smart contracts offer nothing here you can't already do easier.