The 401K vs pension-medicare:
1) 401K: ....'Gladly pay you tomorrow for a hamburger today' strategy
where you "manage risk based on 'goals'"
... using imaginary criteria of spreading investment across several
... that are all 'secretly' controlled by the same few rich people
.... and their computers
... who are working hard to muddy the transparency
.... and control your public voice.
Result: Die fast and poor + world war.
2) Pension-medicare: ... 'Gladly pay you tomorrow for a hamburger
today' strategy where someone else manages your imaginary 'investments'
.... but they are obligated by law to meet the responsibility,
with caveat that the system is diversified across all industries
.... and the people's government will pick up the tab in event of
Result: Die fighting the insurance company + class warfare.