“I would rather the government allow us to opt-out of SS. This would completely eliminate any possible use of it for those of us who make this decision.”
I see your point but there needs to be a mandatory program for citizens in order for the less disciplined among us to at least partially secure their future. It can be both mandatory as well as free from gov’t control if legislated properly.
That's very... socialist of you. Why do I need to pay into a system for someone who can't figure how to save? Force charity is theft.