You have a political axle to grind, fine, but that's not relevant to the discussion here. Maybe the current US pension is set up like this, maybe not, that's d

You have a political axle to grind, fine, but that's not relevant to the discussion here. Maybe the current US pension is set up like this, maybe not, that's debatable perhaps. But it's not an inherent feature of the systems everywhere unlike the problem with crypto"currencies".