I don't think it's axiomatic that individuals should be funding their own pensions. I feel a lot of these problems that keep popping up have the same fundamenta

I don't think it's axiomatic that individuals should be funding their own pensions. I feel a lot of these problems that keep popping up have the same fundamental root cause: governments (and the non-wealthy) have less resources, as more of those resources end up concentrated in fewer hands over time which has certainly been the case in first world countries over the last few decades. Proposed solutions of austerity and cutting and degrading services even further for the lower classes are exacerbating this tendency. I'm not sure what the endgame here is supposed to be.