Thank you for sharing that perspective which I think is also a fair interpretation. Nevertheless, I have come across plans which explicitly state a refund…

I think you are misreading the section about changing the contribution amount. It doesn't say anything about retroactive refunds as you suggest.

Thank you for your comment. While I acknowledge the importance of trust in a functional society, I certainly would not advocate for placing blind trust…

Should I also go to medical school to make sure that my doctor is competent? I think life is about finding trustworthy professionals - not…