What will be the next lifetime event added to LISA bonus list?

Should we be surprised that we auto-enrol people into pensions at age 22 but they do not engage with us for another 40 years until they are near retirement? No! Because it is human nature to ignore the long-term consequences and place much greater emphasis on things within, maybe, the next five years. In fact, we are remarkably civilised having a planning horizon that long. The birds in my garden build a nest that they will use for the next two months until their young fledge, and the squirrels in the autumn will bury nuts in the lawn to last up to six months of winter. Five years ...