Social Security itself is the problem. It is a fraud greater than anything Marx or Lenin could have ever put upon us. If not for Social Security, I would be looking a retirement account containing a couple of million dollars on my 65th birthday which would leave a sizeable inheritance to my kids and grandkids in case I died early.
You're right about that. Notice how government programs never work out the way they are supposed to.
If government wanted people to have a pension, SS should have been set up as a temporary program. A certain amount withheld to start a savings or for the person to do with it what he/she wills. Should not have been a monthly check for decades and it should not have been expanded to include people who never worked (paid into SS). And whatever happened to that "lock box" seniors were promised so politicians wouldn't raid the money for their pet projects?