Pension and social security is the biggest pyramid scheme. I'm an immigrant worker, and so far 2 different countries have basically kept my pension contributions without any reassurance or a clear way for me to access it, and the 3rd country where I spent the most time (8+ yrs) forces me to pay for social security, but when I need that security, I'm ineligible for the benefits. I'm quite certain they'll screw me over on the pension as well by changing the rules later.

No thank you, I'll manage my own security, and my own retirement. I don't need no state interfering.