Why does the 10% early IRA withdrawal fee feel like a cartel lock-in scheme designed to prolong the fiat scam?

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Because it is

🔔🔔🔔

That's the only logical conclusion. Otherwise, they'd only charge you the tax you deferred. The penalty is just that. It's a punishment for pulling out of their scheme.

lol. Yes.

Scam. Bitcoin is the best retirement savings.

Exactly why I stopped contributing to my retirement accounts. The fiat scam will probably have been unraveled by the time I’m “allowed” to take out my money.