To counter that bean-counter argument as to how you spend your money, I would say it only applies to Elon Musk, Jeff Bezos, and kind. For the rest of us, not having had access to possibly tens of thousands of pounds for a decade could mean someone renting instead of buying a house, leasing instead of buying a car, children not being supported to university, medical procedures not being completed, etc. The money that people thought they were going to receive as part of their pension would have been for many of us - important for living, and continues to be so as Low average said above. Both the initial AFPS change and the endless remedy are a sad indictment of the treatment of those who have served.