I agree very much with what you say. It's certainly a multi-pronged approach to getting that kind of communication and information out. But certainly there is also the obligation for the individual to take some control over their own financial future. They're encouraged many times to go to a financial planner at a local bank. They also have access to the financial planning services offered through SISIP, which is specific to the CF. So they do have opportunities to get that kind of information. But you're right, people don't start getting interested until they're around 43.
On November 3rd, 2009. See this statement in context.