Frank Have you really no idea how other people live? You can only save if you have spare money!
If it costs all or most of your earnings to feed and clothe yourself and family and pay your bills, then your savings will be either very small or non-existent, certainly not enough to keep you for years after you retire. That is why the Old Age Pension was introduced.
Many, many people are living on their pension and have tiny or non-existent savings, and it is not always because they have spent their earnings on wine women and song.