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.
Well, hmmm... somewhat agree.... but the disadvantage later on is that when the time to exchange your earnings, how will it be when the value drops down? So we should wait again and patiently waiting for balue to go up.