At the same time, it feels infuriating that in order to afford medicine, clothes, food, shelter, and defense once you're past your working prime you must attach your fortunes to companies that have very little to do with the actual services you require in retirement. Personally, I think that the American middle class has been totally taken hostage by Wall Street via the 401(k) and the IRA; anything that threatens "market performance" (e.g. a series of metrics made up and owned by the market owners) threatens their ability to provide for themselves. In this way, any serious large-scale action that might mend a social ill is off the table if its implementation damages large-scale market performance.