People have no idea how this actually works.
The Ni contributions received from all workers this year need to cover the pension payments for all those receiving pensions this year.
So to make it simple if you have a million workers and 100,000 pensioners the NI contributions made by the million workers only need to be large enough to pay for the 100,000 pensioners claiming this year. That is how the system has always worked.
You are not contributing the full amount to cover your own pension as many incorrectly assume. Just contributing to a pool of money to support the number of pensioners claiming.