What is really concerning is the lack of understanding of people who say that they won't invest in a pension because the returns are low but they will invest in an ISA. In terms of investment return there is little or no difference between the two products, assuming you are referring to a stocks and shares ISA.
Fair point I think, ISA is no magic bullet. I think to make either work in the current conditions requires active management, but if left on remote control they're going to return roughly the same as they work through the same market.
Upside of an ISA though is immediate access if needed, and to me a degree of demystification. And pension fees seem pretty stiff to me. Pension companies don't exist to make money for the fund owners, they exist to make money for themselves.
(Which does raise the question, should we invest in pension fund managers? )