I agree on this idea of mechanisms related to economic theory.
It's true that the idea that people should be automatically included in the system and then that they should be able to decide to withdraw has positive effects on a purely voluntary system in which people choose to save. In the latter case, they automatically save until they decide to withdraw.
Studies have shown—Mr. Ambachtsheer might be better at talking about this than I—that people generally save more if they are automatically encouraged to save and can withdraw voluntarily, rather than the other way around.
In my view, it's true that the basic argument is valid. The question is whether this is a solution to the challenges that must be met. Personally, I think we can increase Canada Pension Plan and Quebec Pension Plan benefits and that that would be a major step in the right direction.
Is the other perspective possible? Yes, it can be done at the same time. I don't see any contradiction between the idea of increasing the benefits of both plans and exploring other possibilities regarding voluntary or automatic saving.