Governments everywhere tend not to do this I agree, but tendency is not inevitability. Some countries (eg Australia and to an extent the US) have decent system

Governments everywhere tend not to do this I agree, but tendency is not inevitability. Some countries (eg Australia and to an extent the US) have decent systems where instead of promise-pensions you have an actual bank account, with some amount of personal control. This specific is solvable, though moving from one system to another is very hard.