Write a 1 page paper (Legal Questions) LAW

Should pensions be spendable? Under current law, some pensions can be borrowed against by the employees, even while they are still working. Other pensions may be entirely spent after the employee leaves the company, even if the employee is many years from retirement age. Should the state or federal government make these practices illegal? Why or Why not?

Be very detailed. 

Does not need to be in apa and not required to have citations.

Write at least 1 full page.