not all are hard up no, but also not all are flush.
and in the future when the government no longer have state pension, and we are reliant on our own "workplace" pension scheme the story is likely going to be very different. With the ever increasing costs of living and stagnant wages, i know i personally cannot afford to sacrifice my salary more than the minimum amount i must pay in, which means i will either have to work till i drop, or i get forced to retire through some form of illness and i be stuck at home forced to watch standard telly because i cant afford to watch anything else, and there will be an awful lot people in similar situation as myself.