True. But hitherto, the NHS pension scheme was good and doctors tended to not have a private scheme alongside it. Hence, you can't retire till you can draw, regardless of your income. Nobody is asking people to feel sorry for those who won't exactly starve in old age, but whoever you are, you pay in against a promise and when the goalposts move, it ain't nice.

Who wants to still be doing heavy manual work at 70? High pressure management? Surgery? In fact any role? Don't we have a huge number of young people who cannot get opportunity? A bit of a bugger that we can invent iPads but can't look after our older people.