Originally Posted by roadkill

The neutral way of framing it would be "Do you want to be entirely dependent on shrinking government entitlements when you can no longer work, or do you want to save a proportion of your income to ensure that you will then be self-sufficient?

Or maybe we could present it as "would you like your pay to be siezed and placed in a fund which you can't control, which will be treated as surplus capital by the company, extracted from, and which you will have to prove your own entitlement in excruciating detail, besides also not having any security of employment and therefore the alleged benefits being trivial to non-existent?

That's a fine example of how these things are used to effectively steal from people; "for their own good" of course, although it's not really for their own good at all.