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.

>>5

personal savings and investment account(s) that individuals are not allowed to consume

That is called robbery and the state is the felon.

This is a good thing because the vast majority of people have no concept of "saving for retirement".

That is their own problem. Then again, wast majority of people doesn't deserve to live. If we kill off say 85% of the worst human beings, Earth will say us "thank you".