I have often thought that they should not have had these big national campaigns to convince people that drinking and smoking is bad and that they shouldn't do it as it is bad for their health. The government should have just continued to let people have a bit of fun and drink and smoke themselves to death by about 60 years of age. That was good enough for the government to get loads of taxes out of people but then having to pay pension for a shorter time relative to today. Now we've got to the point where people just want to live for as long as possible as if it's some kind of competition. Great, hip-replacements all round for everyone about 3 times over as well as all of the other expensive treatments and stuff for about 30 years after they've finished working. Then all of the social care costs and everything else. "But I worked hard for it". Should have let people kill themselves, big mistake.
I'm convinced that the government has started this new 'everyone has to have a workplace pension' thing as in about 30 years time to save money (if we're not all submerged in water or dead because of an anti-biotic resistant killer epidemic disease or nuclear war) they're gonna tell people who saved that their state pension payments will be off-set by their workplace pension that they paid into themselves. Basically if you've saved a good personal pension, the state will not give you state pension payments (or very little). Buy gold.