Bro, you missed the only reason they join and the most important reason they join.
The thing that removed them from feeling the pain of their brother or sister. The thing that makes them turn against their sister, the thing that will give them entry to paradise?
BENEFITS - PENSION
Read the question again, in brackets it says "without any pension benefit"
@ALIF great question, but the pension seeker already made it clear that he's not reached that level when he can grow the beard.