Sorry but yes. I am not 12 and probably a hell of a lot closer to retirement than most of you, so take that as a compliment.
I have direct access to a workplace financial advisor who suggested it was best, given my personal circumstances and the way my fund was set up (high risk, high return).
My fund would have kept eating away at itself waaay faster than the contributions were going in. I simply moved it over to a conservative (low risk) program to ride out the storm before changing things again.
Yeah I thought cheeky bastards, I could just cancel mine anytime, but for $24 a month I'll use at as a forced savings plan to spend on some fun upcharge whenever that next time comes.
Dark times all round people. You would be pretty heartless not to feel for everyone suffering out there right now, and it's going to get a hell of a lot worse before it gets better. Directly & indirectly, we are all in this together and up to everyone to do their bit in looking after one another.