When I was working the young people we employed wouldn't join the pension fund because they didn't want to think about the future. I was told that, because of the company contribution and the tax allowance it was equivalent to an extra 15% of salary but they didn't want to know. These were intelligent university graduates from all over Europe.
I think there are people who don't want to prepare for their old age, I know one who sold their pension at 55 so that the state could look after them. They felt that the extra pension wasn't worth having so took the money as soon as they could.
I don't have any answers, just observations. I am glad we went without and saved for our old age.