I never said that I consider my view objectively correct or superior... and never intended to imply that a contrary view would be deranged! Far from it; I explicitly recognised that mine was probably a minority view.

However the submission implicitly assumes that this option is right for everyone ("The one HR benefit that every startup should add"). I recognise that some people see it as valuable. Hopefully those people can also recognise that other people don't!

I also think the strawman of "Take disability insurance or live on the streets" is rather hyperbolic. The actual alternative is relying on social security disability payments and my existing savings vs an insurance-funded pension. Maybe I'll have to let my chauffeur go, but I'm hardly going to be sleeping in gutters if I take the former option.