Why? I read most of the article and he seems interested in benefitting common users, even if the licensing system has to be more complex than the current state. He cites the same abuses that have driven enshitification.
I treat retirement planning like Ron Popeil’s rotisserie cooker. “You set it, and forget it.” Index funds don’t need to be managed, and recurring transfers can be automated.
Medium term planning follows other people’s advice about normal budgeting, with specific piles for specific things.
Short term is extremely simplified at this point. Spend discretionary dollars at your discretion.