A super shitty one: in Berkeley there's a mandatory savings contribution, with no income floor. So what you get is people who are on minimum wage who can barely

A super shitty one: in Berkeley there's a mandatory savings contribution, with no income floor. So what you get is people who are on minimum wage who can barely cover bills because of laughably low minimum wages, who are effectively having those negligible wages garnished - the "savings" aren't meaningful for retirement in any way shape or form, so all that is happening is they're having money taken from them so that they can't buy, for example, food.