How Government Robs You

https://www.10x.co.za/faq/umbrella-fund-faqs/is-it-illegal-for-employers-not-to-pay-over-pension-fund-contributions/

it is a very serious offense not to pay over pension fund contributions, for which the directors of your husband’s company will be criminally prosecuted. Our law requires that pension fund contributions MUST be paid over the fund within seven days of month end. Of course, it is fraud to withhold this money in the company’s bank account as it – and the investment income thereon – belongs to the employee.

basically you have to give money to government, and they promise to give them back to you if you are lucky to live long enough to qualify for retirement. Less money means you will eat cheaper food and use cheaper health care, so naturally you will die quicker for just the junk food.

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The government is not entitled to decide for everyone what to do with their money.

Individuals who are so selfish that they spend all their earnings before retirement then demand a pension

What about individuals who do not demand a pension? Why can't they opt out of this government robbery and invest their money freely? And yes, it's a robbery when there is no option not to give up your money.

individuals who don't save for retirement which is the vast majority of society

This is anti-human, socialistic bullshit. Stop thinking the people are stupid and need your nanny state. For thousands of years people managed to live without government pensions. Yes, there were fewer people reaching retirement age, but such people there were, and they survived without the Big Brother babysitting over their entire lives. Those who did not save were usually helped by this thing called "kids and large family" which was a thing before socialism smothered it.

If your answer to these people is to say "just let them die"

But that is what the socialistic governments of the West will have to reply when their pension/social security funds go belly up, which is within years. What do you propose the retired people do then? Obama entered office with national debt at $10 trillion, and will leave office with debt at $20 trillion. Socialistic pensions are just a huge Ponzi scheme that we all have no option not to participate in. If you put the government in charge of the Sahara desert, there would be a shortage of sand in several years.