military included...
####
That is fine as long as you outlaw any future military drafts and allow people to quit the military at anytime for any reason when something better cones along - like a company with a better 401k plan.
It ain’t a job like a toll taker or teacher.
Exactly.
You would almost certainly have to resort to a draft if pensions were changed. I'm one of those who made that choice; I'm a Reserve "Lifer." Call me a mercenary, but I went active for Desert Storm without a complaint. One of the things I was tasked to do was go to the Navy sites where we sent Naval Air Reservists. Without exception, and at all levels (enlisted and officer & I've been both) they were judged as "outstanding." I was so proud of them.
Part of the recruiting effort for both active and reserve was the retirement benefits. Change that, and you may wind up with a draft; and I don't think the nation wants to go there!