Your question is actually twofold. I want to point out that, if we compare them with other countries' plans, we realize that the Canada Pension Plan and the Québec Pension Plan each have some of the best governance structures out there.
I don't want your question to imply that the Canada Pension Plan and the Québec Pension Plan are poorly managed, as that is not the case. However, our society has a hard time saving money. Some people do not save enough, even though there are countless options for doing so.