It is when something has unaddressed issues in efficacy that makes them a cult. The 401k causes you to lose your purchasing power and give your economic value to rent seekers. That's why you oppose these logical traps. A lack of a corrective mechanism.
Discussion
Corrective mechanisms (Why do I feel like that word should be mechana? Doesn't even make sense...) would be much more satisfying is they were accompanied by loud booms. I wanna be a pirate.