Am astonished at how many people don’t understand this basic concept. You get tax relief (at your highest rate) when saving & pay tax (after 25% of the pot being tax free) when you start to take it at retirement. Any thats left over when you die should of course be taxed.
Absolutely! Tax relief is just there to avoid double taxation; the tax people pay on their pensions should depend on how well off they are when they receive & can spend it, not when they lock it away. People should also pay higher taxes on unearned income (like inheritances) than earned income.