[Harmless Teddy Bear]

all it looks at is what’s supposed to be in their account (reserves), and cash flow in/out.

Except it is not.

They are using the money for other things that fall outside of what you and I would consider the SS or even SSI (although that is a major drain) mandate.

When you are not using the money as you are suppose to there is never enough.

[Svartalfiar]

They are using the money for other things that fall outside of what you and I would consider the SS or even SSI (although that is a major drain) mandate.

When you are not using the money as you are suppose to there is never enough.

That's irrelevant. My point is that even using the numbers that don't include all the money being borrowed, the numbers that assume that SS retains all the $$$, you STILL run into SS being zeroed out in a decade. How does that happen if, as you said, the overwhelming majority of people have a net pay in to the system? How does that money theoretically disappear?