Raising age is the only ethical answer. It was meant as an end of life safety net. Not a retirement plan. Means testing is unethical because all who paid in were promised a return. That’s fraud. Making the wealthy pay more is garbage socialism. We’re already saddling the wealthy with too many bills.
How about if you have 200k taxable income after 65, you forego your SS benefits and instead get a tax deduction for the amount you would otherwise receive.
100-200k taxable income, a tax credit for your otherwise
payable SS. Under 100k pension yr., no changes.
Or something along those lines.