That still hasn’t sunk into people’s heads...NO ONE was supposed to collect...Always was, still is...just a “kitty”....
Exactly it was designed and intended to only be for those lucky enough to exceed life expectancy and back then few lived to be 90 100 years old like they do now.It was in essence a colossal fantasy of being cared for in old age even though it didn’t seem to sink in that most paying in would never see a dollar of it.