Indeed...if someone arrives at retirement in no fit condition, financially or phyically, it is no-ones fault but their own.
It excercises my mind, on rare occassions, as to why people can whinge long and loud about LCC T&Cs when they are generally several or 4 times better than population 'average'.
While it is a completely different subject it would be more beneficial, to society, if we, as a society, asked the hard questions of our elected representatives as to just why 'mr and mrs average' have not had a payrise, that came even close to keeping up with real inflation, since 1972.