Riding, good job. I'd argue with one word, - you used inclusion when you should probably have used inclination... Your conclusion, though, is one many have drawn and it's sound. Some worry that the markets themselves would face greater government scrutiny and control than they already do, and cause chaos with disastrous results for the return on investment if everyone in the country were investing their retirement funds there. But, there will always be hysterics. Others think this would be unfair to women because they can't make as much to invest because of taking time out to raise children. Life is unfair to women, especially those that choose to reproduce, but the rewards of reproducing are infinitely greater than a few bucks for retirement.

Now it's up to the democrats, and we will get a less than inspired plan and put off solving the problem for another few decades.