For example: Canada Post was ALLOWED a "contribution holiday"[the pension was never overfunded].  After the "holiday", the corporation tried to avoid paying their debt to the pension fund even after making profit. The superitendant of financial institutions forced the crown corporation to make good on their obligations, BUT, only after being petitioned by the union. My point: Unethical behaviour by management and Intentional lack of oversight by government is the real problem.