I understand Deskdiary’s opinion, as I have no sympathy for a lot of people in various situations, but it can be difficult to save for retirement when you are on a low wage, or in younger years when you have a mortgage and children.
But, these days a pension pot aint worth schit. If you use this calculator:
https://www.pensionwise.gov.uk/en/guaranteed-income#tax
You will see that a pension pot of 250k would only give you an annual taxable income of £8,300 if you choose to take it at 60 years old. £8,300 a year - whoopee do!
This is having taken your 25% tax free allowance, of course. I haven’t been able to find a pension calculator that shows not taking the 25% and adding it to your monthly income.
And then there are the people that thought their works based pension pots were safe, but because of greedy bosses (BHS) or company failure (Tata Steel), they find they will be well short of what they expected to get.