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What part of:
Some people are too poor to have any money to save up
did you not understand?
These people have such low incomes, that they often pay the lowest percentage in taxes possible anyway.
Some don't even pay any at all, bacause they have no income, or it's so low that it's below the threshold for what that government is willing to tax. These people would have no pension, no matter what they did, without that system.
This isn't rocket surgery
There's nothing here!