You could argue that having any kind of benecits at all tied to your employment is a bad idea... Yet Americans love to do that with healthcare I'm not convince

You could argue that having any kind of benecits at all tied to your employment is a bad idea... Yet Americans love to do that with healthcare I'm not convinced having the average person manage their own retirement fund choices is any better. They lack bargaining power and they lack the savvy to make wise choices for the long term