In a way I agree. Except everyone knows how much they get every month. Let’s say you are married and get 4,000 a month. Spouse dies but 4,000 keeps coming. You know that you are only entitled to 2 grand now so the extra should be put in a separate account ready for craw back when time comes.
Not really. Depending on the circumstances, the amount the decedent receives varies.
The problem is that SS and ANY OTHER .gov program is difficult to navigate, even if you are not one of the “poors”. I think its done on purpose.