I think they should ban pensions for states and municipalities and instead go with fully funded 401ks. If there is matching with delayed vesting the matching amount has to be funded from the start.
And they should allow health savings accounts for anyone whether they have alternatives through work or not.
Agreed. They should be funding their own pensions. I could see kicking in something from the state or muni’s or schools like 10% of the salary per year as a cap and that’s only after being vested. Even that’s being generous in the real world.