I guess it comes down to a difference in philosophy regarding to whom the money belongs. I believe it is my money that was withheld from my paycheck. You seem to be arguing that it is the government’s money for the government to decide if and when I get my money back.
That is a good point...I forget about the government part in all of this. The only thing is that after five or six years of getting SS. You typically get all your money back (supposedly).