I agree with what you say. But as stated most guys were relying on a DB plan for retirement and that was it none have saved. I have run across that a lot here at DAL. Guys are miffed that their DB was taken from them. Now they do not have enough saving to retire and will go fly corporate at 65.
There are a few of us that always swim upstream. Planning for the worst and actually have been saving all along. Many have not. That is why it is my contention that even though they would prefer to play with the grandkids, golf, fish and drink beer, the first, second and third wife all disagree. I hope to god your correct that most will leave, but I would be that they will not. They may not stay to 65, put they will be here until at least 63.
Either way if the tables were turned, would you take our word for it. I think not.