[reaganaut]

My mother is in her mid 60’s and invested well so she doesn’t need it. She never counted on getting any SS, so she didn’t expect it and planned accordingly.

[DJ MacWoW]

Not everyone was able to do that. You don't "invest well" when you are barely scraping by.

I'm very happy that your Mom is set. But there are many who are not. My Mom was a secretary. When the company closed, she became a saleslady. There was nothing to invest.