The fundamental problem with SocSec and Medicare is that they always have been transfer programs not investment programs that accrue returns for the working life of the beneficiary.
It’s like you retire tomorrow and some person still in the workforce has to start sending you a pension payment each month.
I just looked up an article that I remember reading about how Chile privatized their whole system. Most of them good. Of course, the liberal outlets said it was all the articles touting the system were wrong, however, most of them were at least a few years back.
Some some others that weren’t as old, advocating that it’s something that needs to be looked at.
Unfortunately, even when we think we’re sending the best/brightest to DC, they act like kids in the candy store with no accountability.