Here’s the problem. People, for the most part, are not interested in how their pensions work, just in what they get of the other end. It’s like asking them what tyres they have on their car. It’s important, yes, but they have a life to live and would much rather live it than engage in things that they a) find very boring and b) distract them from doing what they would like to do. That is why advisers exist. So, unless it’s made compulsory to know what pension you have, with a ten year stretch in a Gulag for those in non-compliance (nothing personal, Mr Corbyn)…it will ever be thus.