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Define "net benefit to society." Does that include the entire service industry, much of which does not offer 401(k) plans? I'd like to see what you would do without all the people who pamper you.
net tax payer, depending on where you live that's something like 60-80k per year. and 401k is just the most common of many ways to save for retirement. The biggest loss would be the house cleaners for sure.
You think house cleaners would be the biggest loss? How about waiters? How about cooks? How about fucking janitors?
None of them are a net benefit to society? Well then why even have those jobs? They're a net loss to society.
I Don't go out much. The house cleaners do pamper me though.