Retirement is an interesting point. However, there aren't any guarantees that IRA and 401k rules will stay the same. I guess that may come down to how far off retirement is.

With fedimint and cashu I think people talk about a system of automated withdrawals (automated bank runs) which are much easier to achieve than real bank runs exerting a pressure on mints to stay honest. But it's not as certain as bitcoin's halving schedule, that's for sure.