At an average of say 4% unemployment rate over your lifetime means the average person is unemployed ~1.6 years out of a 40 year working career. That’s not all

At an average of say 4% unemployment rate over your lifetime means the average person is unemployed ~1.6 years out of a 40 year working career. That’s not all in one chunk, but any time not spent working is time not funding a pension or retirement account. In US SS your spouse can collect benefits when you died at 22 if you had a kid together, you also can collect benefits if your disabled. There’s obviously not 1.8 million in your retirement account to fund such things at 22. Similarly the payout for a married couple is 1.5x if only one of them have ever worked because it’s not a requirement account it’s a social security program, and then 75% if the worker dies. No idea how your system works, but it’s common worldwide for pension programs to do such things.