When you sign up for someone (like a pension plan, and yes, it's a choice) to manage your money, you can't pick and choose individual stock. Just like when you

When you sign up for someone (like a pension plan, and yes, it's a choice) to manage your money, you can't pick and choose individual stock. Just like when you go to a restaurant, you can't order them to go and buy a different kind of carrots because you have a major problem with what kind of carrots they use. However, money managers do have their metrics they are held up to, and if they generally don't perform, they get fired. At some point, a decision was made to work for an organization that compensates their employees via a pension plan vs. for example taking a salary and picking individual stocks personally, that is presumably a free will decision just like when I choose to get my food at a restaurant, I give up my option of picking every single ingredient in my food.