I know many people in private employment who don't have anything else to look forward except retirement. Again, most jobs don't let one have a career, especially after 55 where no private company will invest into one's formation.

As for the negotiation problem, I prefer negotiation between unions and employers, where at least I have a say in the union's policy, to the market where I don't have any say in deciding prices - and letting big market players and gamblers decide on my retirement.

(Oh, and I guess you wanted to click on the "Reply To" link under my comment, rather than "Post a comment")

Un roi sans divertissement est un homme plein de misères