If you dont like it, you need to choose something else. I dont know how people can keep throwing money at the thing they dont like and then complain it isnt doing what they want.
"Im too busy to spend 30 minutes to move my retirement somewhere I trust" just doesnt cut it.
I'm not arguing for myself, I'm arguing for the tens of millions of people who do not understand this system, are not aware of how it works, and are constantly pressured through employer plans, tax deferment, and other aspects of the system to choose the path of least resistance and put their money into a 401k. For a system to work properly it has to account for all of the users and not the top 5% or 1% of the users.
I'm happy for you that you're always the perfectly informed player in every transaction you ever make having the most up to date information, ensuring that you're getting the best deal possible at any given second, groceries and all.
Sadly, some poor slobs are too lazy to be as informed as you.
I do none of those things, but I understand that there is a chance of losing money gambling in the stock market. Its not a free lunch with 100% upside.