You're not alone, the plan to reform Social Security is a very bad idea.
Looking at your profile, it is clear that you are uneducated with regards to the current state of SS and that the money is already spent. No investment ever occured, instead current confiscated money is distributed to current recipients. If any private business set up a pension plan with the same operating procedure, the CEO would be thrown in jail for running an illegal ponzi (sp?) scheme.
In addition, your questions seem to indicate that all this time on FR and you haven't figured out that politicians will spend every dollar available to them. That is how they buy votes, and the SS "trust fund" is filled with IOU's from the politicians spending the money on vote buying.......