[SkyPilot]

So, the "solution" is to replace one Ponzi scheme (IRAs) with another one?

Good thing we all have Social Security! < sarcasm >

[Wonder Warthog]

"So, the "solution" is to replace one Ponzi scheme (IRAs) with another one?"

Since when are IRA's a "Ponzi scheme". Certainly, Social Security is, but IRA's are real money, invested in real companies.