Locking funds till you reach the retirement age. That's risky and safe at the same time. Why would anyone want to to lock the funds , if he/ she cannot use it in the times of need. But yeah in a way , a future planning is happening.
But that's exactly what pretty much what everyone does as a retirement account or with their pension for example. People save because they need to as when they retire they wont have any money otherwise. Sure, keeping your money in bitcoin is risky but so is keeping it in a pension or in your bank in some cases. I think putting some money into bitcoin could pay dividends by the time you retire but nothing is guarnteed.
I felt the same like yall, so what I did was divide my future savings in 3 parts. I have been investing 1/3rd of my money in Gold because I love Gold and believe in it, it has always been around from a long time. 1/3rd of my money is invested in Bitcoins because I believe they have a very bright future. The rest 1/3rd is fixed deposits that I pay every month for a comfortable retirement.