There's something about death that is comforting. The thought that you could die tomorrow frees you to appreciate your life now.
I would not be opposed to devising a new system of pensions, in which one part was based on collective provision, but which also gave incentives for people to take out an additional, personal plan.
It's always a Catch-22 situation. They hate you if you're the same, and they hate you if you're different.

