A) The problem is not that this is hard, the problem is their are incentives to get it wrong. If you accept saving to much is a net benefit as it reduces future spending, then you can operate very safely.

B) This just comes down to discounting the pension properly or limiting retirement age to 65.

In the real world doing pensions correctly has not worked out. My point is simply they have an innate mathematical advantage not that it's directly applicable.