My view is pensioners don't have the one option that people of working age have. They can't really increase their income, because they are no longer able to work.
In Birmingham, Manchester or Liverpool there are white gangs that share the same backgrounds - they come from broken homes, completely dysfunctional, mums for the most part unable to cope, the fathers...
It's fairness to say those who work hard, get up in the morning, cut their cloth - in other words 'we can only afford to have one or two children because we don't earn enough'. They pay their taxes...