Ask a Bitcoiner if they want an annuity, they'll think you're nuts. Ask if they'd trade their 401k for a pension. "Hell no!" they'll say. Then they'll turn right around and buy STRC. STRC is a fantastic product. I might buy some when I'm 60. But there's no goddamn reason a 30 year old needs STRC any more than they should have an annuity.