I hear you. I really do.
The young folks today find themselves stuck catering to what is undoubtedly the most self-centered generation in our country's history. The seniors have huge numbers on their side (which translates into a ton of votes on election day) and their slogan has always been, "Pay me until I tell you to stop."
That said, not all of them are as bad as that. Many of them feel badly about what what they are doing to younger folks (who had nothing to do with passing or supporting these laws), but many of them haven't prepared for retirement and now feel stuck. In other words, not all of them are happy about being on the dole.
If we can't eliminate these senior benefits immediately (and politically we cannot), we should at least make people qualify for them based on real need. Our young people's lives are being ruined by what's going on now. You're right to be concerned.
I am planning to stay off of Medicare and SS. I don’t want to be a burden and although I will be living small, I wont make much of a dent.
Well, when the pols figure that the young folk will be voting for a LOT longer time than the seniors, I suspect you’ll see a change...especially if/when the younger folk get their ducks-in-a-row via internet and social media.
As to your last point, I’m highly against ANY ‘means testing’; you’re talking outright theft based on nothing more than someone doing better than another (maybe on sheer LUCK). IMHO, it should end like it begin, one day and POOF.
At that point, it becomes a classic Marxist welfare system. "From each according to his means, to each according to his means." But then, so is the income tax, which is nothng more than theft of labor.