The pension one is rather stupid, on second glance. You can't have plausibly-funded defined-benefits retirement schemes without a constantly increasing population, which is impossible to guarantee (especially when you have any form of immigration limitation.)
Alice locks her signed copy of the book in the chest with her lock. She sends the chest to Bob. He slaps his lock on it, and sends the chest back to Alice. She correctly interprets this as a big middle finger from Bob, and takes a chainsaw to open up the chest and get her damn book back since he obviously doesn’t want it.