As Americans, we can choose where we work and live, what we drive, which insurance plan is best for us, so why can we not give workers a choice when it comes to their retirement?
The practice of first developing a clear and precise definition of a process without regard for efficiency, and then using it as a guide and a test in exploring equivalent processes possessing other characteristics, such as greater efficiency, is very common in mathematics. It is a very fruitful practice which should not be blighted by premature emphasis on efficiency in computer execution.