Every month, your employer transfers Bitcoins into a time-locked address that can't be transferred out before you reach retirement age. You have the key to the address. You can verify the transfer on the blockchain.
No middle-men. No funny business. No brokers with pyramid/eyeball shaped logos. No "oops we went bankrupt and lost your retirement." No bail-ins. No raising the age of retirement.
Just Bitcoin.
Nice idea but you are kinda missing the whole point of "retirement",
which is, a word you use to get idiots to give up their valuables today on promises of getting valuables back far into the future.
I think most people can retire, but its not the lifestyle they would want which stops them from real retirement.
Like getting a bigger house or a ideal car.
If you take out these things, most people can buy a $30k home in las vegas or something and start being smart money.