and you either don't see a moral hazard in the system as currently constructed, or think that it can be practically resolved better how?
We will always take care of poor old folks. I don't worry about that. The system needs some tweaking to close the deficit with a cut of benefits one way or the other for the old well to do (like me eventually), cutting benefit rises to inflation rather than wages, and maybe raising the retirement age one more year. It is not hard. I have researched it.