Yes, you gave me the answer, and it was a perfectly logical and correct answer within the Starmer/Blair enforced way of thinking - but that way of thinking has very narrow horizons. As if there is no other way.
Remember, British government law made it that Lucy Connolly was jailed for typing words that had no consequence, while at the same time admonishing two thugs who battered police men and women clearly on camera.
Money put by in a pension fund should be invested for the benefit of that person, not put in general taxation to be blown on other things, Maxwell style. The current British government pension model requires a constant churn of people from other countries, each batch replacing the last.
You make a big deal of your superior knowledge, asking 'How do people not know this? Well we do know - your 'superior knowledge' is repeated government propaganda, and every man and his dog is familiar with it.
So you want to wave a magic wand and somehow magic up a huge pile of money to pay for the current pensioners and then all currently under pension age get a contribution based pension? How are you going to manage the increased tax to pay for that?
And it's not a 'Blair/starmer' system, it's the same system we've had since there was a state pension.