SS was never meant to be a retirement program - it was meant to be the ultimate safety net, so that the elderly, particularly those who had lost their savings during the Depression, would be protected. The problem is that the expectations of SS have gone way up.
I just want the ability to "opt-out" of the pyramid scheme. Let me invest the money that the Feds would have squandered.
True, it was meant to supplement retirement, not finance it. Even FDR wanted personal accounts to be part of socialist security.