How about the vast difference between median income (85k, MI) and high income (>127k, HI) earner in terms of preparing for retirement in CH?
1st pillar: Good basis for MI, pretty much worthless and an additional tax for HI
2nd pillar: Despite all issues, a strong source of income in retirement for MI and most HI; however HI have much more options (using it as tax scheme by buying into it; getting bonuses paid into it instead of as taxable income; being able to decide individually how to invest through 1e plans, etc.)
3rd pillar: Individual solutions, only partially used / usable by MI and essentially another tax scheme for HI with more and more options for individual investments (e.g. VIAC)
In short: 1st and 2nd pillar work for MI, but they have essentially nothing to say about how their money gets invested and cannot use much of the tax advantages. The complex details of the Swiss retirement solutions however offers vast options for HI to lower their taxes, while being still able to invest their money more or less as they choose.
Out of that, you can spin any kind of thesis. Most things already have been covered, but at least 1e plans are still something rarely seen.