[future_i_snow]

Yes but they will tank their future pension payments, and current pay raises. So there is a cost for those that do. If you're unemployed it doesn't matter much though.

[tomcam]

Because pension only comes out of your private salary, as opposed to the public stipend?

[future_i_snow]

You'll still have your base pension, but that isn't enough. Most employers do a x% private pension fund payment on top of the salary.