This. I did the math and with 5.5 years of contributions with a decent company match, if I pulled it out now my penalties would be almost equal to the company match + gains. Essentially it would have been a large 0 interest savings account. What a mess.
True, that does suck. But it doesn't suck as much as having it all moved into new government controlled accounts for your benefit. We've seen how well they've run Social Security...