Every family gathering, whenever pensions come up and the older ones ask the younger generation "Why do you not care about your pension? Why do you only pay the required minimum?"

I reply, "Because we don't expect to see a single dime of it back. The <name of our state insurance "company"> will not exist in 10 to 20 years. It's mathematically unsustainable and will collapse. So enjoy yours while you still can."

They sigh and eyeroll at me. I think they don't want to believe it, because it existed throughout their entire lives, even though they know I've been researching this and have the receipts to back it up.