I am retired in the same country where you live. I know something about retirement and it seems like you don't know them.
First of all, you can invest in pension funds that are not administered by the state, they invest the money and multiply it. When you reach retirement age, you can choose to receive all the money accumulated in a single installment or to receive it monthly. If you die before retirement age this money is given to the heirs. It seems to me a fairly modern system.
It's just that you don't believe in fiat money and banks. Then crypto remains the solution (but why not precious metals, gold, silver ...).
I'm not accustomed to this crypto volatility. I think that after a certain age it is quite common to have different diseases, heart or brain. A drastic and rapid decline in the crypto pension fund could have serious effects on the heart.
I mean, every system has advantages and risks. It remains our choice ...
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