Pensions work 100% but they cost money SO instead of paying pensions we have more profits which benefits the wealthy?  The whole stock market profits the same people. That people have to pay into the market for them to have a retirement plan also benefits the same wealthy people.<p>When people&#x27;s 401K fail then the government has to pay for the companies for not providing for their employees.<p><a href="http:&#x2F;&#x2F;time.com&#x2F;money&#x2F;3624637&#x2F;401k-retirement-problems-getting-better&#x2F;" rel="nofollow">http:&#x2F;&#x2F;time.com&#x2F;money&#x2F;3624637&#x2F;401k-retirement-problems-getti...</a>