The gamble is that you either succeed or fail. If you try nothing you'll work until you die regardless.
Current system: Work until you die.
New system collapses: Work until you die.
New system lucks out: Probably get returns (pension).
I doubt that a FAANG programmer from hacker news has to work till they die. You are doing something wrong.
Current system isnt great but works. Just fear uncertainity doubt here.
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