Hi Al,
I really do think good provision for old(er) age is important. My impression is that there is a huge element of luck as to how much of our financial planning might be grabbed back by politicians in the near future. I am sure you see the negative effect that these constant changes will have on motivation for financial planning. In today's situation the government only want you to get the (lower) pension that is being designed for your job. If anyone decides to invest privately, you might find the regulations are changed to claw back any "good deals" that you invested in for so many years. I think we see this developing now (reductions in lifetime allowance for example).
There is no magic cure. However, surely it is in the best interests of the pension companies to lobby for stability in pension provision?
OAP