I am one who didn't know my pension would be locked, I came to LOS 8 years before pension age, my accountant didn't tell me my pension would be locked either, I found out after creating a life for myself, here.
So, folk have different experiences, I, for one, never heard of locked pensions.
Me plain stupid, I don't think so............😉
I also don't think this thread is for you, condescending posts from a non-Brit is a bit much........🤔