Maybe don't buy QQQ in your 401k then if you're concerned about nasdaq100 inclusion

Tell that to everyones 50 year old mother who doesnt even know how to login to their account, let alone modify their allocations.

50 isn’t old? I would expect a 50 year old mother to be competent.

Oh yeah, we should just get rid of all securities regulation too. Everyone should be competent on their own to avoid being duped by guys with billions of dollars. Its the elementary school teachers fault if they get scammed by a billionaire.

It's like the very first golden rule, do not expect competency from another human being.