"Maybe we ought to demand our money back? At least those born after 1950 should get everything back they paid in no?"
They can "keep" mine if they let me opt out.
I thought a person could opt out of it. At least up n till a year or so ago I knew of a site that offered the forms to get out of it.
My wife doesnt pay into it and opted out of it. Matter of fact most at the place she works opted out of it. They put into a retirement account instead.