Yes there seem to be a lot of people of the position that having retirement investments = hoarding wealth…but the majority of us don’t get pensions and not having retirement accounts of any kind under those circumstances is horrible financial strategy if you want to do anything other than subsist after retiring.
Your suggestion is wrong. Eliminating the Electoral College is advocated for by everyone who supports Democracy. It is also not a coincidence that the Electoral College disproportionately benefits one party over the other. And to cement that advantage they employ anti-Democratic measures in an attempt at voter suppression.