[Fury]

In most cases I think that the free market does enact its own penalties, and leads to better choices. The company I work for today does allow me to sell its stock contributions, for example, and no law requires them to do so.

But a law requiring them to do so wouldn't cost the company a cent, and it would prevent someone from having a sizeable portion of their retirement savings locked into a single stock, something which is universally regarded as imprudent.

Laws which require people or companies to behave in ways that we would expect them to if they were good citizens are NOT bad laws.

Then, this would be a law aimed at preventing "dumbness"?

[Dog Gone]

In some sense, yes. Sometimes you have to require people not to be dumb, or they will hurt others. If such a law works, then great.