[Rebelbase]

Adding to above, public or private pensions.

[Theoria]

Government pensions are a doubled edged sword. It creates the incentive to finish the term to get the pension, while creating vast liabilities on the public in costs.

That's why many a city has dropped them. While if fired or quit with a private retirement account there is the possibility of taking it to another employer or investing it yourself.

That's why you see a stay and endure approach with many government employees, which we often see. As long as I get ‘mine’. Not much changes because of such conditions.