Haha, you and I have the same thought with those 'retirement' fund that they're fronting with their sales.
They good to talk about those things after learning from several people through different forums sharing their investment journey with those offers that came from financial advisors, I was disappointed to see that their money lose not just with inflation but also with their investment.
Definitely

Actually they have trainings to be thick-skinned while dealing with potential customers, and be super pushy. I have a friend who's active in promoting such scheme, and kept persisting despite telling him I'd rather invest in cryptos and other stuffs.
Ended up blocking that fella hahaha.