[drivebyhooting]

If ROI is lower than inflation then what’s the point of saving? So you can have an even worse standard of living after you retire?

Forced investment in low ROI vehicles is just a tax by another name.

[spyckie2]

Well, would you have a better standard of living with $0 or $1000 when you retire?

Even if that $1000 used to be worth $10000, that $0 is still worth $0.