>most of the people who don't have access aren't maxing out their contributions, anyway. Precisely. We should have an account that autosaves and invests ~ 10%

>most of the people who don't have access aren't maxing out their contributions, anyway. Precisely. We should have an account that autosaves and invests ~ 10% of a worker's pay into a simple target date fund. You can opt out, but by default, when you get to retirement you're covered. I can tell you first hand that many of the blue collar folks I know in retirement almost exclusively live off of social security and that's a sad, restricted life.