Obviously, you can’t say I can do this action that will give me wealth because I want to be given wealth. The action can’t be used as an argument to justify itself. It’s a simple circular reasoning fallacy.
Other than a few rare cases of natural occurrences, wealth exists exclusively because it’s produced. To have a reasonable justification to be compensated with wealth, you need to produce it. Either you produce your own personal wealth, or in a system of division of labor, you produce wealth you don’t necessarily need and trade for an equivalent amount. The value of price of wealth is simply determined by consensus. There are no other ways.
A sole ownership isn’t a production of wealth. An ownership of wealth will never reasonably justify a compensation in wealth, no matter how the bargaining power is obtained.
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Employer pensions don’t make sense. If you want to forgo some of your purchasing powers to keep money for your later years, nobody is stopping you. There aren’t any advantages in letting your employer do that for you.