How it will be done is to means test Social Security more than it already is.
I think exactly the same.
When I retired, I took SS at the first possible opportunity, ignoring all of the "sage" financial advisors who say to wait until 72 or something like that.
1. It is politically impossible to stop SS payments to someone who has started getting them.
2. Once I have spent the SS money it is not possible to get it back.
Meanwhile my own money sits in the stock market and grows. But, if you haven't started SS when the SHTF and have any other assets, the government will require you to deplete them before you can start. Count on it.