Without calling names, such as the "Typical Union Guy", most White Collar workers have a little bit more on the ball as far as the education & knowledge to make the decisions that are involved with
401K type investments.If left to their own devices most folks are simply one decision away from eating cat food in their retirement. That is why the politicians came up with SS in the first place. This includes my ABD ass.
I think that idea of forced contribution is OK at its core, it is what is then done with the monies collected, or more to the point not done with them, that at this point in time isn't all that sound.