I'm not coming at this from a self pity angle, my decisions are mine alone. However when you hear that pensions are going up 10% on top of the NI hikes it turned me from being vocally against these strikes to having some sympathy with them.Part of the reason for people having a 'decent state pension' as you suggest was that they were expected to die around 5 years after they retired on average. Increased life expectancy has come at a cost. The NHS keeps people alive much longer now. I do take issue with that as living to be 100 is just about the last thing I want. I want to depart this earth when I am unable to function reasonably and enjoy myself. Health and safety was quite poor years ago too - it's ramped up the cost of everything. Separate areas for men and women in hospital cost a lot of money and reduced capacity. Less than 10% went to university when I was young so it was free and affordable, now its around 45% go to university and they have to pay for it. Going to university isn't the right thing for many people, there aren't that many graduate careers, so a better idea is apprenticeships, but few employers are really interested as there is freedom for their apprentice to sod off as soon as they have completed trading to a company which didn't have to pay for the training.
I don't know what job you do on railways, but one route is to upskill yourself and get some qualifications, trust me it's more effective than self pity.
All in it together is it?