The problem with SS reform is that in the short term it will cost big bucks. As long as we insist that we are going to continue to pay out benefits at their current rate for anyone 55 or older, we will have to continue to pay money in at our current rate, PLUS whatever money is needed to fund the new accounts and we'll have to do so for quite awhile.
Not that I'm against SS reform. It's just that since SS is Ponzi scheme, someone will end up getting screwed no matter what.
Not only that - the Rx program is a much bigger and more immediate threat than social security. Social security will have a real funding problem in about 15 to 20 years (requires borrowing or new taxes to sustain current benefits). The Rx program is in trouble within the next 3 years! Massive new borrowing or new taxes - neither option is good for America!