401(k)'s and other retirement accounts have limits on restrictions on when your money can be withdrawn. But let's say I score a job making a huge sum, can save a lot, and want to retire decades early. I'm aware that there are yearly contribution limits for 401(k)s and IRAs, and I am also aware a reason for contributing to a 401(k) would be a company match.
Disregarding those facts, why wouldn't I want to open a standard brokerage account and invest as much of my money as I want as I see fit? The expense ratios would likely be lower, and while there would likely be trading fees, I plan to invest, rather than actively trade.