The problem with letting people choose individual retirement accounts is that if those investments don't pan out then they (we) are stuck inevitably with bailing out these folks when they are 70 and broke and on the streets... It's the same with people who say they don't want to participate in purchasing health insurance from a pool... I mean, if they opt out and get sick they are still going to get treated and the hospital will recoup it thru increased costs to the rest of US...

I mean, I'd rather everyone have to put their money in a pool that provides some level of security for our older folks then to turn the entire issue into a crap shoot...

B~