Chris, I fully understand your sentiments but I can't tell how we could know when that "time to worry" happens. For as long as Peter et al keeps 'banging on' about it, he keeps the subject to the fore, and by doing that reducing the opportunities for anyone (no names no pack drill) to try to further any moves in that direction.
Some say that the law is the law and it cannot be changed without considerable effort. Whilst those people are correct, there are those who will happily expend that effort.
Can a law that was set in stone be changed? Well For all my working life I was told I would get a state pension when I reached 65.....,. Nuff said.