You obviously are not a union man or a politician in California, 'cause their some of their pensions are to die for (as in people get paid up to 60-75% of their final years pay ANNUALLY regardless of whether they end up staying retired or seek reemployment 6 months later).
But it is all trade-offs, is it not? Generally speaking one takes a slightly smaller pay scale (or pays union dues) in order to have (in theory) more security and said pension in the public sector.
Then the question in the niche market is 'would I rather design for a game I love and the inherent risks, or write policy manuals or work with peoples' feces?'