Pension schemes aren’t “forced” on anyone. But in my professional experience advisors & employees need to do a way better job explaining how these things work to people before they engage and sign a contract.

I’ve met far too many people months from retirement with government registered accounts that have no idea as to how their accounts actually work.

401ks and tax advantaged accounts can help you get ahead in the fiat game.

And for those who want nothing to do with any of it (understandably) - there’s always #Bitcoin