The thing is '@glitterytrainers , you could use your argument for any sort of tax/ benefits. Lots of people pay into the pot and don't get a return commensurate with their contributions.
This is especially so with high earners who pay 50% tax compared to 20% yet still get the same state pension. And people who have not paid in enough NI do get less pension than anyone with full contributions.
What about a refund of tax for people who send kids to private schools?
What about a refund of tax for people who have private health cover and rarely if ever use the NHS?
Or people who are childfree and yet pay for other people's kids ? (education and child benefit.)
The state pension is a pittance - max £169 a week under the new rates for anyone with full NI contributions. This is to cover a person's food, clothing, fuel bills, transport, and everything else. Most people nowadays top it up with their savings, or have an occupational pension, or keep doing some part time work if they can. Those who don't find it very hard. So although they may not have worked much, it would be hard for them to survive on much less.
I am not sure I agree with your notion that you will be 'poor' in old age.
You will have 2 x £10K plus your husband's pension whatever that is .Given you will probably not have a mortgage at 67, that's a pretty reasonable amount to live off.