Doodledog
I don’t see longevity as the problem. It is the way the pension works that is the problem. Everyone should be paying more, rather than getting less or taking longer to qualify.
A start has been made to include all workers in an additional pension, and that should be extended to all adults who could work if they chose to ie everyone who is able-bodied and not in a necessary caring role. Minimum wage should be high enough to cover payments and allow workers a decent standard of living so nobody can’t afford to pay. That way everyone paying in now will be covered in their retirement. In the meantime custom and practice should be honoured and those who have paid already should be able to retire as expected - it’s not our fault that governments have been short-sighted. They need to find a way to plug any gaps their mismanagement of the scheme has created, not pass the problem onto those who have worked and contributed all our lives.
... it’s not our fault that governments have been short-sighted.
I don't think it is short-sightedness; governments have all the data, stats, and information, so must be well aware of our "ageing-population" as we are sometimes referred to - almost as if we are some surprise element that has suddenly popped-up on a memo from a civil servant.
The issue is doing-something-about-it which would involved making those "tough decisions" that governments always warn us about when they've already been elected.
However, informing the electorate prior to an election that they might have to pay an additional 1p or 2p / £1 (for example) does not win votes, so parties defer, or, as it's commonly known, kick the can down the street or the ball into the long grass until it becomes a major problem leading to those notorious "black holes" with the resultant claim that pensioners' benefits are no longer affordable. That also has the desired effect of divide-and-rule... intergenerational conflict. So we then blame each other, and then all the misinformation circulates; how pensioners are the rich generation with big houses, blah, blah, and the young want it all now, blah, blah- letting the politicians off the hook.
Of course, there is also the matter of Corporate greed, with the ever widening gap between the rich (some very rich) and the poor, but that's a discussion for another time.
What do we pay governments for, if not to deal with the economy among other matters? Perhaps these 'black holes' and 'tough-decisions' are an indicator that they have not and are not doing the job properly, rather than the fault of the electorate who pay their taxes and insurance contributions that are set for them by these governments?
We all know that the economy is not run like a household budget, but in that respect, the treasury could maybe take a leaf out of Mr and Mrs Average's accounting principles, because many of them know how to carefully budget ahead.