U.S. lawmakers continue raising concerns about expanding crypto access through traditional retirement accounts. A notable policy voice recently highlighted potential risks if digital assets are incorporated into 401(k) plans, warning that retail investors could face significant losses without proper safeguards. The debate touches on a critical question: should mainstream financial products serving everyday savers include exposure to volatile crypto markets? As regulators weigh retail investor protection against financial innovation, this discussion remains central to how crypto assets may eventually integrate into traditional finance infrastructure.