The overwhelming consensus among the learned is that Americans, as a group, aren't saving enough money for retirement, and that if we can gather sufficiently clever people in a room, we can figure out a way to coerce, trick, or otherwise induce workers to be more responsible with their incomes.

I tend to be the odd man out in these meetings: my contribution is generally the radical proposition that we leave people alone and let them make their own choices.

People aren't saving enough? How absurd. How much is enough, and who comes up with that number? Like most attempts at social engineering, this one appears to only work in one direction. Curious that no one ever laments when someone saves too much, and dies with an unspent fortune. If there is a "correct" amount of saving, than it would be logical to assume that it's just as possible to exceed it as to fall short, yet it would appear that the "correct" amount of saving has a lower bound, but not an upper one.