EI is also backstopped by the government.  So if they screw up their investment and you become unemployed, taxpayers are bailing you out.  Same concept applies with CPP.  And btw, how does the Government of Ontario equate to "average Canadian's money"?  Are you saying that a resident in Quebec or other have-not Provinces are paying to Ontario?  

Get it or do I need to slow it down further for you?