Manitory Pension Plans Sometimes Result in Workers Total Savings for Retirement

Manitory pension plans sometimes result in workers total savings for retirement actually being lower than without a pension plan.What does this suggest about how people save for their retirement?

A) Planning for one's retirement is complex and emotional and most people deliberately avoid confronting these financial decisions.
B) People are overly pessimistic about their future financial prospects; many fear that the Canada Pension Plan may be non-existent by the time they retire.
C) Many people need to be "tricked" into saving because they are unrealistic about their future behavior. They spend money today that they should be saving for retirement, partly because they overestimate their ability to save in the future.
D) Most people are not capable making good decisions about their future.