My eye-opening moment was when I realized that due to a ludicrous expense ratio, my employer-provided retirement fund was just funding that company's employees, who take our money to the markets, no different than Vegas, like the fucking degenerate gamblers they are. It's a pure casino.

Second, most people don't want the responsibility of becoming their own bank. They don't have the time, energy, nor the self respect required to do so. They're quite happy sucking that USD dick.