It's easy to cast aspersions at the (hypothetical) folks in the article. However, I think it's worth realizing that we're in the middle of a paradigm shift away from pensions/government support and towards personal responsibility for retirement (among other things). People who aren't vigilant tend to get screwed under such circumstances, which is exactly what is happening to many Boomers here in the US.
It would be a MUCH better article if it offered some education about how to avoid working until 85 which, as we know, isn't all that hard. Does anyone know whether the UK has the various tax-advantaged savings accounts that we have here...