Just interrupting the flow here, because I want to go back to a post from NFkDumpling on the 4th. It refers to the pension implications of UK retirees living in another EU country in the event of an exit. You asked if it would not be fairer for retirees in the EU to have their pensions frozen, as applied to some other commonwealth countries.
The system of discriminating against UK citizens, who have made national insurance contributions to the UK for decades has been the subject of campaigners for years. Not only discriminatory, but completely random as to which countries it concerns. For example, state pensions rise in line with inflation in the US, EU, Israel, Samoa, Mauritius but not the neighbouring Seychelles. It affects many black and Asian workers who want to retire to their country of birth in Africa, the Caribbean or South Asia. It affects more than 100 countries.
It has been argued that retirees living in another country are no longer contributing to the UK economy so why should they benefit from pension increases? However, it is estimated that pensioners overseas are saving the British economy £3bn annually, as they no longer make demands upon the overburdened NHS, Social Care, Welfare budgets or housing.
If one was to be totally mean spirited, it could be argued that a choice is exercised to leave the UK in the knowledge that there will be pension implications by moving to some other countries in the world.
However, the decision to retire to a EU country is made in the knowledge that pensions are not frozen at the point of departure and takes into account that it is subject to fluctuating exchange rates. Nor can it be argued that retirees in the UK no longer contribute to the UK economy. Most of the High Street retailers have EU websites and many UK companies ship to the EU. The current ease of travel between the EU and UK means benefits to the travel, tourism and hotel industries as well actual spending when visiting family and friends in the UK.
So, in summary, it would be grossly unfair for the government to move the pension goal posts for UK citizens currently living in Europe.