This is rich coming from a professor likely covered by a publicly funded DB pension. Is he challenging my use of a TFSA/RRSP (I have no DB pension no promise from government) so that I can have income in my retirement years. Reality for many people is that we start at the bottom of the job food chain and after many years earn more, some times way more, than when we first started working. If after raising a family one then starts to use their RRSP/TFSA room to secure future income, good for them. Don't limit it, encourage it.

Maybe we should limit DB pensions to some standard reflecting what those in the private sector have available to them. The reduced cost to governments could be returned by reductions in the tax rate.