I wonder how many of those having a moan about benefits/pensions would soon change their tune if we had an american system and they suddenly found through no fault of their own that they'd lost their job and couldn't get another???
I'd rather have that back-up even if I never had to use it and for others to have the same backup equal to my own even at pension age...
You know what they say if you don't like it then go elsewhere as moaning on a forum is only gonna do one thing