I understand. Makes sense. I also understand people who flip their 401 (I think that's what it's called) into MS or one of the ETFs. Something you cannot do over here or I'd consider it too. Though I have my doubts that pension is still a thing in 20 years. They probably replace it with universal income or just get rid of it. 

 seen some desperation to tie $ up lately that bothers me to get more self sov./ restrictions & friction just to control our $/ kinda crazy!