Social Security should be means tested, as long as the government returns every dime it took with the promise of “security.” They shouldn’t just be able to keep what they didn’t earn.
The gubmint is trillions in the hole. There’s nothing to give back. I say get rid of the separate withholding. Just finance the elderly welfare program through the income tax like everything else. And means test it. Shrink the program down to size. Get rid of the mistaken idea that it’s a pension plan. It isn’t. It’s welfare for the infirm.