Fair enough.
I'll throw it back at you, sir, then, and suggest to you that if you have someone who wants to do a start-up company and they said, “Here's the person I need for our business. Now what's it going to cost me for salary if I have a defined benefit plan, or I just pay total salary, no defined benefit plan?” Will there be a difference in the amount of salary that has to be paid?
You don't know?
You see, that's the problem. You should know that the value of an employee who's coming to work at your business is going to take into account not only the salary but also the benefit plan. And if the benefit plan isn't there, you're going to have to pay higher to attract that same person away from the company that has a defined benefit plan.
So, sir, your answer was flip and wrong. Really.