Easy - I have studied economics and the market. There is a down period roughly every decade. I have over 50 years of contributions and would have had a larger annuity if I invested in the S&P index.
What the h3ll business is it of yours to "let" me take care of myself? Look at Chile, for example, and try this:
You nanny state liberals are evil fascist thieves. Really. I don't apologize.