You obviously have no idea how the system works or at least did. You pay in all your working life then pop your clogs at about 66 when retirement was 65 the government in a win situation
None of it goes on your pension,national insurance is just an addition to income tax and goes into the general fundThis is how the system works. A 65 year old male has a life expectancy of 18.5 years. So the payout that the government will have to make, on average, is £170K, not allowing for the annual increases. Yes, you may die after a year and only get the £9K, but you might live to 100 and get £320K. The luck of the draw. You pay all your working life, but don't forget that only 10% of your income tax and national insurance pays for pensions. The rest is spent on other state benefits, education, the NHS, the armed forces etc. etc. etc.. If you pay £100 per week in taxes and national insurance, only about £10 goes on pensions. So if you have paid £100 per week for 55 years, that only comes to £29,000 - far short of the £170K you have every chance of receiving and the figure the government has to budget for.