You know, that actually sums up my concerns regarding saving.

I think that: Within the next 30 years, a singularity and major economic upheaval are each much more likely than any kind of "business as usual" situation for which IRAs were intended. I also think that money (at least USD) will be of much less value to me when I'm 60.

And yet I contribute anyway, and only have about 8% of current USD value of my savings invested in a way appropriate for one of those scenarios.

Now, I've gotten a bit better: I stopped maxing out the 401k (i.e. putting 25% of pre-tax earnings in it), and I'm keeping a car loan I could pay off. But if I were really serious about this, I should empty most of the account, and put it in something else, even though this will incur a big penalty.