Economist Andrei Caramitru challenges the Bolojan government's changes, emphasizing that the money in Pillar II is people's property and suggesting fees for early withdrawal.

Caramitru says the government can't limit people's access to Pillar II money, but it can impose fees on withdrawals above a certain threshold, encouraging people to stay invested. He suggests the money could be used as collateral for loans and criticizes the excessive proportion of funds invested in government bonds, suggesting diversification into equities and alternative funds. Mr Caramitru also believes the percentage of contributions to Pillar II should be increased, especially for young people.