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In the current society, social security and pension insurance, as an important means to ensure the future life of individuals, their importance is self-evident. However, there are still some people who choose not to pay social security and do not buy pension insurance for various reasons. So, how many people are there, and why did they make such a choice? This article will analyze this topic through in-depth interviews and investigations, combined with case illustrations.
First of all, we need to understand the size of the population who do not pay social security and do not buy pension insurance. According to relevant statistics, although most workers are aware of the importance of social security and pension insurance and actively participate in it, there are still some people who choose not to pay or not to buy. Although the proportion of this group of people is not high, the absolute number is still considerable. Among them are freelancers, self-employed businesses, as well as some corporate employees and migrant workers.
So, why did they make such a choice? Through interviews and investigations, we found the following main reasons:
One is economic pressure. For some low-income people, the amount of social security and pension insurance contributions has become a big burden. In order to make ends meet, they have to spend their limited income on daily living expenses and cannot afford the costs of social security and pension insurance. For example, Xiao Zhang, a migrant worker who works in the city, said that his monthly salary is only more than 3,000 yuan, and after deducting rent, living expenses and other expenses, there is almost nothing left, and he cannot afford to pay pension insurance.
The second is insufficient cognition. Some people lack sufficient understanding of the role and significance of social security and pension insurance, and think that these systems have little to do with them, or that even if they pay, they may not be able to get actual protection. This misunderstanding leads them to ignore the importance of social security and pension insurance, and thus choose not to pay or not to buy.
Third, it has strong liquidity. For some groups with greater mobility, such as freelancers and self-employed businesses, their places of work and residence often change, which makes it difficult for them to continue to pay social security and pension insurance. They often believe that instead of spreading out their contributions in different places, they should use the funds where they are more needed.
Fourth, the issue of trust. Some people have doubts about the fairness, transparency and sustainability of social security and pension systems, fearing that their contributions will not be paid off. This distrust led them to choose not to pay.
Let's take a look at a few specific cases to illustrate this further.
Case 1: Xiao Wang is a young freelancer who is mainly engaged in online writing and editing. Due to the nature of his work, his income is not stable and he often needs to advance funds for projects. As a result, he chose not to pay social security and pension insurance, but instead used the funds to cover his daily expenses and business development. He believes that at this stage, it is more necessary to use limited funds to improve their own capabilities and expand the scale of their business.
Case 2: Lao Li is a migrant worker who has been working in the city for many years, but has never had a stable job and income. Fearing that his contributions would not be covered in the end, he chose not to pay pension insurance. He said he prefers to save money or send it home in case of a possible emergency.
Although these cases are only isolated phenomena, they reflect some common characteristics and mentalities of people who do not pay social security and do not buy pension insurance. For these people, they may have their own hardships and considerations, but in any case, social security and pension insurance, as an important guarantee for future life, their importance cannot be ignored.
In response to this problem, we believe that it should be addressed in a number of ways. First of all, the government and society should strengthen the publicity and education of the social security and pension insurance system to improve the public's awareness and trust. Second, we should further improve the design of the system to ensure that it is fair and sustainable, so that more people are willing to participate in it. In addition, for low-income people and groups with greater mobility, more flexible and convenient payment methods can be explored to reduce their participation threshold and cost.
In short, although there are people who do not pay social security and do not buy pension insurance, their choice is not unchangeable. By strengthening publicity and education, improving system design, and exploring more flexible payment methods, we can gradually guide them to realize the importance of social security and pension insurance, and actively participate in them.
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