Éamon Ó Cuív (Galway West, Fianna Fail) | Oireachtas source

That is probably true, but the people on the low end of the surviving gig are people who would see the greatest pension would be to get a property. They would be very tempted anyway. When they get to 66, the State will say "Tough, you did not take the option." The great thing about PRSI is that it has to be paid as it is mandatory. I see this more as an industry-led gig than being State-led.