Why the hell did this get modded insightful?
Although the USPS pension mandate doesn't compare well to an individual's finances (for the simple reason that we can at least hold people accountable for their own failures to plan for retirement), you can still make a much, much better analogy than the drivel you posted.
As a better analogy, take someone who made damned good money all their life, and pissed away every penny of it without a single long-term asset to show for it (my generation calls them "boomers"). Now, ten years from retirement, the work doesn't come in as often as it used to, it pays a lower margin than back in the glory-days, and they honestly don't have the energy to work like a mule as in their youth anyway. And now, they suddenly look ahead and realize the need to seriously start saving or their retirement will consist of living in a cardboard box and eating cat-food.
Unfunded pension liabilities don't count as some BS government-imposed surprise expense; they build us as a basic cost of having employees, and very much count as "already spent" before-the-fact. The only "surprise" in this situation comes from the government finally realizing that all these parasitic businesses going under and passing that particular bill on to Uncle Sam, needs to stop ASAP.
Unfunded pensions mean that thousands of Detroit police and firemen, after putting in their 40 in a goddamned warzone and thinking they had planned appropriately for retirement - Will now get to eat cat food for the last 20-30 years of their lives.