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.
I do not know if this is possible for now. Maybe in the near future when bitcoin will be accepted by the government and to incorporate it with the likes of this idea. As we all know that bitcoin is not that established right now and there could be some technical problems may arise like losing private keys or compromising the digital wallet account.
Yeah it is possible to use bitcoin for earning more money, but it is not possible to use bitcoin as your regular currency. I think that one should hold his bitcoin to make more money and keep that money for his last years. Regular income from bitcoin is not possible because of the volatility in the price. You can use your coins to start some business which will be the source of your income in the future.