People don't realize that the monies they are being paid under SS today - are NOT THE DOLLARS THEY PUT INTO THE SYSTEM. They are dollars lots and lots of other workers put into the system.
There is no PRIVATE ACCOUNTING of what you put in - there is only an accounting of what you earned on an annual basis - which is what your payout is computed on - it's not computed on how much you put in.
The problem with SS is people actually think it's their own money, whether it's witheld from their paychecks or arrives at their door in the form of a check. This belief is encouraged by politicians and leftists.
If people were educated on how it really isn't their money, I think we could get something going here. A thinking person would respond, "It's not my money??! Well, it should be!! I should be free to keep more of my hard-earned money to save for my own retirement!!"
I still like to think most Americans are thinking people. :-)