There always are two sides.

Latvia isn’t any special case. There always is somebody who tries to get some ‘free’ money from other people, in every country. In some countries it is done by governments, companies, some individuals or smaller groups of people. Look fx at insurance companies – you pay for maximum risk , but when shit happens, then you get the minimum. Administration costs of pension foundations paid by everyone are extremely high – don’t they use computers??? Pensions transferred to dead citizens. There are zillions of examples in every country on the Earth.