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Idk how to respond to this because I don't want anybody to be so afraid of the future, but you also didn't really mention what is harming or even destroying the pension system.
I asume you are not German, because it's common knowledge that the pension system is vulnerable since it's conception in the 1950, and that it will become unsustainible in it's current form since the introduction of working contraception.
After WWII there was no capital to pay pensions whatsoever. To be able to pay pensions, the pension system was based upon a fictitional "generational contract" - people pay pensions to the older generation, and acquire the right to get pensions from the next generation. This "contract" only works if there is a next generation of about the same size as the previous. Since the introduction of working contraception, the system is broken.
This isn't really anything special about germany btw, the very concept of retirement depends upon this - even when it's entirely private retirement funds. The difference with those is mainly that instead of everyone not getting shit, a lot of people just don't get to retire at all so the ones that were able to save up money can. Which is almost what we have now anyway, except all retirees at least get some small amount. Money in your account is only worth something as long as someone else is willing to work for that money, and that will always depend on the size of the workforce. It's not a germany problem, it's not even a capitalism problem (just the inequality created by it is).
Later retirement age is the one thing I'm not vehemently against, in part because it seems inevitable, in part also because medical science advancing makes it more feasible (and also increases the time people have after retirement).
Yes, but that is nothing that a later retirement age, a requirement for pensioners to draw on own personal wealth if it exists, and immigrant employees couldn't alleviate.
Well, if you mean later retirement age to be higher than life expectancy by at least a decade, maybe
You need about 6 working people to financially support 1 pensioner. Can you see the problem in a society that is getting older, has less children and outsources jobs to either robots or overseas countries?
What is harming the pension system? It is unsustainable in its current form, everybody knows that, even the mainstream media is not denying it.
We have more and more people that get pensions, and less and less people paying for it. People live longer. People start working later.
and everybody knew it for the last 30 years.
I think that more education and longer health and life spans are a good thing.
The population aging is a bad thing. But the boomers decided to not have as many children as previous generations. And it is their perfect right to do that. Most likely pension systems will need to make use of some of the boomers' accumulated wealth to finance their retirement.