I'm not saying you are knocking welfare (I'm not sure where you got that idea); I'm saying that you are identifying something as welfare for which individuals have already paid when it is not... and that governments may -- or may not (as the mood takes them) -- call pre-paid pensions "welfare", to falsely make themselves look munificent**, is neither here not there.Just to clarify I'm not knocking welfare
When I have paid for something, particularly long in advance, I am not getting it out of kindness, or a sense of obligation, but because I have already bought it.
** - It's bad enough when they do this in relation to other expenditure -- they're not giving out their own money -- but when they are giving people their own money back, they really should be ashamed of themselves.