I disagree. Transactions may be banned or permanently disappeared. We will not be able to get back what has been lost. This is very risky. Let's say Bitcoin prices go down and retirees will get less money than
For me it not good for bitcoin as a retirement account. In fact you can see that the current market is very volatile and the value is changing as if every now and then. Do not take the risk because we need our retirement money the most.