Different people, different situations, different choices. I'm happy with a bit of calculated risk, we've each got to make our own choices I suppose, and I'll be happy to accept personal responsibility if it goes wrong!
Also pensions are only any good to you when you get old. I keep being told by a (knobhead) IFA that if I do as he says I will be a millionaire when I'm 85.
I would rather be poor when (or big IF) I'm 85 and have money now thanks.
At the summit of the picturesque fens