I've seen this up close and personal with my parents and in-laws. I don't begrudge them, it's the system. But longevity has also added extra costs. My FIL immigrated here (legally) worked from the age of 50-65, while paying into SS and Medicare, retired at 65 and lived to be 93, all the while collecting SS and using Medicare (he was a pretty healthy guy, so his Medicare usage was minimal until the end.) The outpay compared to the inpay must have been huge. The system was/is broken.
No, I don’t begrudge anyone who follows the rules and hits the jackpot through the system—and that’s a lot of people of the older generations right now.
But you’re right, the system is broken.