Interesting attitude.
"exactly" - So, if you had put away money every paycheck for 50 yrs into a private savings account at your bank, you'd be fine if the bank then kept all the interest accrued over the years as they got to use that money and make a fine profit on it - and THEN also kept the interest that should be yours? and all YOU get is the money you put it?
Somehow, I think you'd scream bloody murder.
It’s not “private”. Jees your acting like government is benevolent.
The goal is to end the bleeding, yes... it would cost the government a fortune to issue checks = all everyone ever paid into the SS and medicare system + interest, but at least then the programs could be ended and the financial healing could start.