And a thought. if people don;t realise that the vast majority are vulnerable.
My dad worked from age five, pushing people's shopping home in a wheelbarrow and fetching coal. He ahd no chocie: as child 15 / 16 to a disabled Mum and alcoholic dad he worked or ate. At 11 he apssed the 11+ and Nan said no due to the cost of uniform and the fact that his siblings didn;t get to go to Grammar. So he left school trained as a bulder and did very well until my Mum becmae bedridden for a while following her fifth lost baby (baby before me- the staying in bed kept me alive).
dad went and got a job in a factory and by the time he hit his mid fifities was in charge of a thousand; so we have a huge work ethic there. I remember Dad working 16 12 hour shifts plus overtime on the trot without a complaint.
Anyway, they never went abroad, bougth a car or anything- they mexed their pension fund instead: big focus on holidays and a bungalow 9they ahd a rented house) in retirement.
Except dad's employers were bought by a big American firm, who were then allowed under US rules to asset strip the pension fund to pay off a claim for asbestosis they were facing. Beleive it or not 9and the evidence is on the net somewhere) this happend twice- Dad's new employers sufffered same fate.
Dad has been offered £2k as a token payment; there's a fund to be divvied up between them but the young ones keep appealing as they think that the more older ones die off the bigger their share- clearly they do not understand legal costs! there will be nothing left for anyone.
Dad now works as a cleaner pushing the age of seventy, in a plant making sausages- lovely job, the sort he si frequently told English people don;t do, though he is English: we cn trace his side back until the 1600's. Another stereotype gone. he ahs to cycle in as he cannot drive, despite the fact a botched op means he has no feeling in one leg below the knee.
he considered retirement at 70 but went to talk to council and got a mouthful from a mean cleark about why he ahd not provided for himself: she must know what happened, in our small town it's ongoing main news, everyonbody knows. I wanted to complain for him but he was so shamed he refused to allow it.
So I don't believe that everyone gets what they put in, or that very many are as safe from poverty as they think. Apart from the absolutely random issues of disability and sickness, plenty of things that seem sewn up can go badly wrong in an instant. So as a family we hunker down, try and build the businesses, gather in qualifications, build back ups- DH's business is more successful than mine is ever likely to be as most people needing my service would be betetr served by me volunteering for free so I am applying for teacher training tow rok in an SEN environment. Build as many and varied back ups as we can. Becuase we trust nobody except ourselves, and if we screw up it's not just us, it's two disabled kids being scrwed over as well.