The employment model needs to change. With the rise of gig work, constant firings and layoffs, large 30 year debts or school debts on people are unsustainable. So is healthcare being tied to employer and 401k tied to employer. The risk is all individual, the gains are all to corporations and lenders aka asset owners. This is unsustainable. Something has to change.
Health care, yes. A 401k is your money and goes with you if you leave, it's the older pension model that has issues with people jumping around.
I mean, IRA limits should match 401k limits instead of keeping 23k limit only for employer-sponsored accounts.
There is zero reason an independent person should have to rely on fickle corporations for that limit.