I agree that if people are free for other life decisions (some worst like driving when they can kill themeselves), then they should be free to manage their mone

I agree that if people are free for other life decisions (some worst like driving when they can kill themeselves), then they should be free to manage their money. But maybe the additional problem in the US is that people can lose their retirement money, so you need a level of protection, whereas a French person losing all in stock doesn’t impact its retirement.