Consider that we are forced (for the most part) to invest our retirement savings, and company match %, into the stock market in some form. If you try to withdraw before they've had a chance to steal it form you when you retire, you have to pay a heavy tax penalty.
We are nothing but slaves. A bunch of stupid, weak, cowardly slaves.
You're a slave long before you start planning your retirement. The average American worker hasn't gotten a real raise in 50 years.