One could say the same about the States. We're Forced to pay SS tax that is constantly under threat of failing, that is then paid back at a substantially lower rate than what was paid in. 401k has many vast tax implications, limits, and restrictions, and saving enough with it for a comfortable or even livable retirement is a luxury few middle economic class and lower people have. Lots of people in this country work into their 60s and 70s having financially struggled most of their working life, only to retire and continue to financially struggle for the remainder of their life.