I would agree with the second half if you could set up automatic paycheck transfers to your IRA from your employer. It has to be that easy, in order for people

I would agree with the second half if you could set up automatic paycheck transfers to your IRA from your employer. It has to be that easy, in order for people to save. Going from your checking account to your IRA brokerage is something only financially savvy people do. You have to make it as easy as possible for retirement savings to happen, and it's totally within the government's interest to ensure people save money for old age when they can't work: it means less reliance on Social Security.