[ThrustVectoring]

I'm optimizing both for "what system is best for society to implement" as well as "what system is best for individuals within it". There's a pretty significant individual upside - people who were unable to save enough for retirement can now retire due to their tax-advantaged plan earning mortality credits.

Being able to leave assets to heirs comes at a price. Just look at the pricing of the different single premium immediate annuity options - anything that also preserves assets to heirs in certain conditions also costs significantly more for the same income stream. The goal of retirement programs in general should be to ensure that as many people as possible aren't destitute in old age as cheaply as possible, IMO.