Its a form of control "we will take care of you, don't worry about managing your own money, its too confusing". If you take a loan out against your 401k, why do you have to pay it back? Isn't it your money? If its not a ponzi scheme, why does it have to be bailed out with QE and 0% interest rates. Please provide an example of any employer who will pay you higher wages due to you not participating.......

If the market tanks, aren't you kinda held hostage to the demands for a bailout if your savings are all invested in it? Yeah you have choices, what has had any gains the last 20 years other then stocks? Wasn't bonds as they were artificially held at high values thanks to the FED and other central banks in the world. Along with the stock market and the entire corporate system.........