Another alternative, or addition, to some form of compulsion or automatic saving might be to automatically enrol workers in their own workplace pension schemes.

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Governments can save jobs by discouraging new technology or outlawing labor-saving devices like automatic elevators and automated telephone service.

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Britain, with New Zealand, is breaking new ground in introducing a retirement-saving plan using the device of automatic enrolment.

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In his book The Automatic Millionaire, David Bach shares real stories of how ordinary people built up extraordinary wealth by slowly increasing their saving like this over time.

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Indeed, it is not much of a stretch to suggest that these rules are the reason we have seen the widespread adoption over the years of employer matching contributions, automatic enrollment, automatic escalation of contributions, and numerous other innovations in the retirement plan space that have been shown to increase saving.

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