Hey I'm all for figuring out a better plan as long as we all agree on it.
The only issue I see with that idea is if the people who choose to invest in the stock market lose the retirement because their investments don't do well we really can't leave them hanging, you know? So if we're bailing them out that's unfair to the people who didn't lose everything in their investment. So any solution would have to be an across the board solution for all participants.