I totally agree with gutting the 401k system and changing it, even though it would directly hurt me.
My wife and I max out our 401k and max out a back door ROTH IRA, and with the added employer match we are about $60,000 annually that gets special tax status. We also both have "pensions", which are basically tax-deferred savings accounts that our employers put money into each year, so essentially another ~$20,000 per year into an IRA.
People just LOVE to talk about the "middle class" and increasing taxes on the "middle class" is political suicide, but the reality is anyone that is putting $80,000 per year into tax advantaged retirement accounts is not "middle class" and does not need help to save for retirement from the government. But when Biden talks about increasing taxes on the rich he only actually talks about the top tax bracket (over $600,000 per year), or extra-top new bracket for higher capital gains tax (over $1,000,000 per year), because so many people making $150,000-$500,000 per year like to think of themselves as "middle class". And don't even bother talking about Trumps policies, which don't even try to hide the fact they are specifically for the super rich (like lowering capital gains tax even more, or cancelling them all together in a "tax holiday").
If they changed the system to cost the same amount of money, but re-did the way it worked to spread out the benefits to more people it would be WAY more equitable, and the country would be WAY better off in the long run (I'm truly scared of what will happen with retirees a decade or two from now, sooooooo many people have very little money saved, but also don't have a pension).
However, my personal opinion on what to do doesn't fall into any of those categories from what those articles or others say. Way too many studies have shown that people just don't / can't / won't save for retirement no matter what (its amazing how many people don't even use their 401k enough to get the free employer match...), so any program that requires the person to do anything will fail for a lot of people. That's why I (sadly...) think the only way to guarantee people can retire is just to lower 401k benefits / lower IRA benefits / lower pension special tax status / etc, and use that money to increase Social Security across the board, since SS is the primary income source for a boatload of people.