That’s my kids problem. And no I don’t feel guilty in the least. I’ve been footing the bill for wars and welfare and scholarships and such for over 40 years. They can take the SS saddle.
Which really isn’t so much an issue than nitpicking the elderly, when one considers that about half of those paying into SS never live long enough to collect and those that do collect, will do so for 5 to 10 years before they also die. It may be said a 65yo ‘died so young’ but that’s hardly ever said of a 75yo.
It could be your problem, your kids problem, or your grandkids. Or all 3.