Good point.

I guess just having a staggered temporal restriction is fine, don’t need to wait until you retire necessarily. You would still receive a portion of your salary package in the form of classic currency and plenty for a good life too. An example could look like this and I’m obviously making up the percentages and durations here, they would need to be fine tuned:

• 40% of salary as cash
• 10% of salary as stocks that can’t be sold within 6 months
• 10% of salary as stocks that can’t be sold within 12 months
• 10% of salary as stocks that can’t be sold within 18 months
• 10% of salary as stocks that can’t be sold within 24 months
• 10% of salary as stocks that can’t be sold within 30 months
• 10% of salary as stocks that can’t be sold within 36 months