Talk of a means tested state pension is dumb:
1) Higher earners pay far more national insurance (from post tax income) for the benefit.
2) Pensioners who are higher rate tax earners are taxed more on their state pension, as it is taxable
As far as I am concerned, the state pension is already means tested.
Even though I won't needed, I despise the thought of paying my NI for it, and then not actually getting it, just to pay for the financially feckless.
The guy in the article is a typical "expert" who is so wrapped up in their own ideas that they have lost touch with reality.
The WISA does seem like a good idea, but allowing instant access to employee contributions will mean people will just take that back out again.
It seems the problem is that that they are desperately trying to incentivise the "millenial" generation to save, but don't really know how to do it.