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.
People can always start trading in the market and those who are retiring on their job should not be worrying because they will have an alternative way of earning a huge amount of money.