That is not true of everyone. Those of us who accumulate very modest pension pots are really looking forward to enjoying a little bit of retirement after years slogging away in modest jobs and trying to do all the right things for decades.

Can you honestly blame people wanting to get the most out of their pension savings? How about acknowledging the value of doing the right things all your working life and slogging your heart out every working day for decades to provide a decent future for you and your loved ones?