A similar situation unfolds with the usual Pension Funds. The market of crypto-currency is very unpredictable and it is impossible to guarantee that at the time of retirement bitcoin will rise in price.
I think so, if bitcoin becomes a retirement account, then it has two possibilities. if the price is high at retirement, it will be very happy because it will get a high number of retirees, but if it happens otherwise, it will be miserable, the fluctuation of bitcoin make it impossible
A big savings from bitcoin if the bitcoin price reaches $50k by the end of the year, why do not we try if we get a chance to get rich. Not at all we have a good chance, miss the opportunity in fear is a mistake