Please actually read what was said, your reply is incoherent. Where will the money for those ETFs or pure bonds come from? The reality is most people will and do spend their money living pay-to-pay, regardless of income bracket. They have no concept of savings or investments. So it is in the best interests of we, the people, to collectively put a little of everyone’s income into retirement accounts to lessen the burden on social services and improve their living conditions, which is fucking obvious. Not to mention you couldn’t actually read the very blatant statement I made about the government NOT controlling the account, and thus not becoming a piggy bank for elites.

Finally, what countries specifically don’t take income tax, but instead take a cut of income and put it into a non-government backed retirement account associated specifically to that person?

I don’t think we need to force people to pay into retirement funds, especially if we all agree that they’re not effective. What I mean by an ETF is that, instead of the government taking 8% of my income, I actively save that 8% in an ETF (or even bonds). After 25 years or so, those who invest in ETFs will likely see better compound returns compared to those contributing to state-run pension funds.

As for your question about countries that don’t take income tax but rather allocate a portion of income to a personal, non-government-backed retirement account—take a look at Brazil's Fundo de Garantia do Tempo de Serviço (FGTS) as an example: https://en.wikipedia.org/wiki/Fundo_de_Garantia_do_Tempo_de_....

> what countries specifically don’t take income tax, but instead take a cut of income and put it into a non-government backed retirement account associated specifically to that person

Government will never "avoid taking income tax", but instead they will take your income tax and force the employer to finance the employee's retirement account.