I m under 60, happily building up my SMSF .On the other hand the...

I m under 60, happily building up my SMSF .
On the other hand the ones that enjoy spending and not saving would be rewarded with a pension .
Could someone please clarify if this is right, and what can be done about it .

When it comes to pension age the funds and assets in SMSF are taken into calculation by centre link re qualifying or not for a pension.
Only allowed to give gifts ,to the value of ?$10,000 per year after you reached Pension age.
No wonder the gov wants us to work till 65 +
Give the jobs to the younger ones and let them pay tax like we did.
Can money be given to relatives before pension age with the hope that they return the favor at later stage ,while getting a pension?
Now there s talks of taxing the expensive house that one reside in .
Sounds like we pay tax all our life and more so when old or passed away.
Comments/clarification appreciated.