Fair, my strong impression has been that average people in most countries in Europe put relatively less into private pension schemes than equivalent Americans. I know that is the case in the UK, for example.

My state pension alone in the US is notionally ~$4k per month when I reach retirement age (plus all the other subsidies and free stuff). Despite this, Americans are pretty much indoctrinated from birth to assume that won’t exist and to have alternative plans. This leads to the interesting phenomenon where many people that weren’t particularly well off during their working years find themselves relatively flush with money during retirement because they were operating from a pessimistic model.