Mr. Speaker, let me suggest that the hon. member has some dated information, because the Fraser Institute did a study, and like I said, for people my age, people born in the 1970s and later, this has been an awful rate of return.
I understand that some people prefer the security of a system where everything is more clearly laid out for them. However, different people have different views, and that is why we should give them the choice and not continually force everyone to put the entirety of their savings into the Canada pension plan. There are other things out there, like RRSPs and TFSAs.
The goal from the government's perspective is to keep people out of poverty, not to provide a middle-class income with pensions, and allow people to decide how they want to do their savings. Do they want to spend their money now or do they want their money later for retirement? This is why we give people the freedom, because everyone's situation is different.