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
bitcoin is still believed to increase value, but in the process, these coins often experience extreme fluctuations, and this is not suitable for passive assets and even safe assets for retirees. bitcoin is better treated actively and the profit generated in the majority still has to be thought of to be allocated to other more stable assets such as gold and so on.