That’s what I mean, then.

When they’re just returning your money to you, that’s not generosity, and when they’re giving you other people’s money it also isn’t generosity. 

Generosity is giving away your own money.

Undisciplined

There’s no cap on it. It all comes down to how long you stick around after you retire. These payments also cover stuff like sick leave and unemployment. Unemployment's got a time limit though, anywhere from 330 to 540 days, depending on your age and your work history.