They feel like a prisoners dilemma to me. Pensions are a relic unless you chose your career wisely and were lucky/related enough to get in. So I’m stuck with wh

They feel like a prisoners dilemma to me. Pensions are a relic unless you chose your career wisely and were lucky/related enough to get in. So I’m stuck with whatever crappy 401k my employer provides and I’m hoping that my paltry investments now will support me for 2-3 decades when I’m to infirm to labor? Mind you I’m doing this while paying my criminally expensive (20-40% gross pre tax) health insurance for the privilege of neglecting to get healthcare I desperately need because I can’t afford all the out of pocket expenses required to actually receive the care I need because my employer won’t pay me enough nor will they absorb these costs. Lastly, I’m doing all this while praying that our comatose government won’t completely fuck over even harder while I try to scrimp and save and suffer my bootstraps up to a more than barely surviving state of existence. If by some miracle I survive to retirement and have no 401k (and assuming it would’ve performed well) I’ll be stuck living in a disgusting sro for the destitute. So yeah, they’rea sham to distract us from the fact that social safety nets have evaporated to juice the economy while surpassing the cognitive abilities of an average person.