Laziness? It's built on desperation. There were some solid ways to develop retirement strategies with lifelong careers, pensions, and other older retirement v

Laziness? It's built on desperation. There were some solid ways to develop retirement strategies with lifelong careers, pensions, and other older retirement vehicles. However, pensions are largely irrelevant outside the public sector now, the older retirement vehicles have stagnated/become poor investments (like annuities, which have become a landmine for terrible fees), and what was left was 401ks and individual retail stocks. Mutual funds are a similar landmine, where transparency is lost and they're often built for the tax particularities of retirement accounts. That leaves retail and... ETFs, which we can only wait for someone to find an angle to extract more value at the expense of small investors' returns.