How is this much different than the US? I know a lot of people who are screwed in retirement. All it really takes is one misstep such as divorce or bad financia

How is this much different than the US? I know a lot of people who are screwed in retirement. All it really takes is one misstep such as divorce or bad financial decision in your 40's and your done for. SS is very difficult to live off of unless you can somehow relocate to dying ghost towns.