Too much government overreach for my liking. Of course saving for retirement is good, but I do not like being forced to do so a certain way. Being forced to pay into SSI is bad enough. Making educated savings decisions for yourself is preferable. In regards to the argument "everyone should have access to x, y and z" everyone already does! That's the great thing about being in a free country. People should stop being lazy and expecting the government to do everything for them and give them handouts. That will lead to a MUCH too large government and less freedom to do as you please.