> Yes, because many people choose not to save.
You keep saying this, but this is not what the data shows.
https://www.google.com/search?q=retirement+crisis
https://www.ncoa.org/article/addressing-the-nations-retireme...
https://www.cnn.com/2024/04/02/economy/americans-struggle-to...
https://www.pewtrusts.org/en/about/news-room/opinion/2024/01...
https://www.bloomberg.com/news/features/2024-05-24/retiremen... | https://archive.today/OZOWz