Yep, more fool me for wanting to be able to afford to retire on a decent income.
When I joined my company one of the attractions was a non-contributory final salary pension. 6 years down the line it became a contributory scheme. What did we do about it, nowt. The effective pay cut was worth it to continue in such a scheme. If I didn't like it I could have gone money purchase and risk my retirement income, or leave the company. Glad I went along with making the contributions.