There often seems to be an implicit assumption that the money funding defined benefit contributions came from a magic money tree somewhere (or at least did so until it turned out that the tree wasn't producing enough).
I know in the years that I was earning into a deferred benefit plan, I barely gave it a passing thought. And, had you asked me if I would prefer cash or for the equivalent to be funneled into some opaque benefits system that would hopefully pay out someday, I'm pretty sure what I would have chosen.
Are some people better with defined benefits? Almost certainly. But at some point you're being pretty paternalistic to say you should much less must take that option.
