<prompt> Human: I know not to trust Yahoo finance articles, but this is a topic I am entirely unfamiliar with. How likely are these to happen, what would it practically look like, and is it a good idea?  <response>: How likely are these to happen _ツ_ what would it practically look likeTL;DR: a mandatory annuity. and is it a good idea?For people who actually contribute to their retirement accounts and know how to manage their money? No.On average, for society as a whole? Probably.Im a much bigger fan of the mandatory contribution part than I am of the guaranteed low return part. 