>While it’s true that UnitedHealthcare has the highest denial rate for medical claims, the CEO doesn’t set the approval rate of a health insurance company’s payouts — that’s done by the actuaries, who themselves are constrained by various considerations, such as the need to keep costs low, including for policyholders.
By this logic, what can Brian Thompson be said to be responsible for? It's very strange to me to assign more responsibility for a companies denial rates to its actuaries than the actuaries' bosses bosses boss. So why exactly does UHC have higher denial rates than other companies? It just happens to be that it's actuaries are more frugal? This explanation doesn't hold water and I think it's a strange response to the shooting of a CEO to say, well actually CEOs aren't responsible for the things their corporations do. Of course they are, now they aren't solely responsible, but they probably have more responsibility than any other single individual. It can be completely true that killing Brian Thompson was wrong AND that he was no saint, being responsible for (and getting rich off of) large amounts of human misery inflicted on UHC policy holders by the organization he headed.
The general population is not smart enough to understand a 401k and raids it as soon as they can.
The Obama administration was big on the “gentle nudge” policies - so that for example they would enroll you in retirement, but you could opt out, but I don’t think that’s strong enough.
I think social security is a far better setup than forced savings account. The fact that it's much harder to raid, that it's not really 'your money' locked up somewhere is a big reason why it has lasted as long as it has.