I think you misunderstand how democracy works in practice
Democracy is about getting people voted in, you do that by pandering to the largest group of people who vote. Why would you make it harder for yourself?
They aren't set, but they are limited and manipulated to the point that a lot of people don't trust pension schemes any more.
Pension abuse is one of the reasons Mr Brown is one of the most hated prime ministers this country has had: http://www.telegraph.co.uk/finance/p...Seventies.html
It is a very long term gamble however you play your pensions saving game. To not save at all though, well that isn't a gamble is it, you have to do something and give it your best shot.
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