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Shift military retirement to 401K payout?

Terrible, horrible, no good idea. How many people would stay 20 years for an $80,000 dollar payout that has to be invested into a 401K, etc., and/or isn’t collectible until retirement age? How many people would go to war for this multiple times over a 20 year period? I fear the answer is not a lot.

Disclaimer: I am biased, being just a couple of years from drawing said 20 year retirement. However, I believe that bias gives me insight into the problem, too, unlike the author of this article or others who propose this change.

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