The major benefits that arise from the government’s requiring that workers also participate in a national Social Security system accrue to those workers who really ought to value a defined-benefit pension highly but have not been able to figure out what their true preferences are. They also accrue to relatively poor workers who lack the bargaining power to induce bosses to offer the pensions they really want – and need.
政府要求工人们也参加全国性的社会保险体系的主要益处是累积于那些确实应该重视确定金额的养老金但是还没有搞清楚他们究竟偏好哪个的工人们。这些益处还累积于相对贫困的工人们，这些工人们缺乏讨价还价的力量来使得老板们提供他们所的确想要、而且需要的养老金。