Ian Ayres and Quinn Curtis are law professors at Yale and UVA. Their area of expertise is retirement, and as they see it, the typical employee paying into retirement funds must be saved from himself. The professors want force to make sure the hoi polloi aren’t “misusing” their menu of investment options. Naturally it’s lost on Ayres and Quinn that the collective knowledge of those enrolled in retirement plans vastly exceeds theirs. Fearful that the mouthbreathers will go all in on gold, they’re out to make sure that experts take the proverbial wheel from those who don’t know as much as they imagine they know.