In a nation where retirement security has long been a quiet anxiety beneath the surface of daily life, Labour is proposing to rewrite the compact between employers and workers around KiwiSaver — mandating that businesses contribute meaningfully to their employees' futures, regardless of whether those employees can contribute themselves. The plan, phased in from 2028 to 2032, reflects a belief that wealth accumulation cannot be left to individual willpower alone when economic pressure already consumes what little margin ordinary workers have. It is, at its core, a wager that structural obligati