Avocado. I missed the bit about infection, so that's very interesting. I also think there must be more than one reason for heart disease, it strikes people of vastly different body types and personal habits.
Nyt, it's ever been thus regarding young people getting paid peanuts. I was in my 30s before earning anything like serious money, but the company I joined age 24 had a contributory pension scheme and it was mandatory. However it was very generous as they matched your minimum mandatory contributions. I can't recall exactly but it was around 10% of your salary. I worked for them for 18 years and that fund has provided the bulk of my pension pot.
3 years before I retired I joined a company who ran a similar pension scheme (this one was 5% of salary). It was voluntary though, but despite my age and knowing I was close to retirement, I joined. I worked for them for 3 years on a very part time basis, but by the time I left I had more than doubled my contributions because of the interest. It was a nice lump sum to add to my other pension pot. No way could I have made an investment with a better return. However, I worked in the finance department and I was surprised to discover that out of 48 employees only 7 were in the pension scheme. Amongst those who were not were some of the senior managers on really good salaries.
Of course I do hear you about pension funds being corrupt. You only have to look at the recent BHS debacle.