[jraph]

> I don't think we can pretend that pensions are not a problem, and not a massive strain on government budgets

Indeed we can't. Now, you have to prove that the alternatives wouldn't be worse. And you have to prove that they are unsustainable as is.

> I want to [...] be able to save for my own future instead.

No thanks. But I suspect our disagreement here comes from having very different perspectives.