I would take this concern trolling at face value if the CD Howe Institute had ever, in the history of the world, supported any policy that risked putting a single red cent into the hands of working people.

In the event that returns are persistently lower than required for a decade or so at a time, a policy response can be formulated: increase premiums, reduce benefits or apply progressive taxation. There is no need to run around with your hair on fire, nor to ostentatiously stroke the chin and furrow the brow. Unless of course the purpose is to hoodwink the public into opposing a policy move in their interest. Which is exactly the purpose, I wager.