The strange thing here is that retirement accounts with a tax deferment policy benefit the higher earners much more than they benefit people in lower tax bracke

The strange thing here is that retirement accounts with a tax deferment policy benefit the higher earners much more than they benefit people in lower tax brackets. This isn't very consistent when the social issue that has really driven these polices into existence is trying to convince lower earners to save for retirement so that the state doesn't have a huge outgoing on pensions etc.