I hate the whole publicly traded model of companies. I hate capitalism. But have to engage in trading stocks (I mostly do Mutual Funds and a small quantity of direct stocks) so that my money doesn’t lose value by sitting in a bank or cash.
Same thing with credit cards, don’t like taking loans and getting marked on a centralised list for that but it’s a safer option than using your own money.
Fortunately I don’t do crypto so that’s a plus.
The government can always create the money for retirement funds out of thin air.
The fact that retirement is tied to 401k is an explicit instrument in financializing the entire economy i.e. turning America into one giant casino where a very small proportion of the people always win big while the rest of the people lose.