I see your point but we are not even close for that to work. Governments can use it to distroy the retirement fund because of public perception. You just got to look at the Canadian pension fund, they got into Bitcoin years ago and around 2022 the government used that for their political narrative that Bitcoin is bad when Bitcoin crashed. The pension fund lost a lot of money when they dumped it to support their narative at the time. It wasn't publicly known that they bought into Bitcoin until they used it to publicly bash Bitcoin. It will only work when the government stops using it as plitical talking point.