It's not bad news, really. It's a step in the right direction. You will be able to put part of your SS taxes into something that's your own money and that will grow much faster and that your family will get if, God forbid, a truck hits you.
It's amazing how many people think they will continue to receive husband/wife's SS if that person dies. Wrong-o-mongo, that money is gone, baby.
In a way you do get to keep some of the husband or wife's SS, if their payment was higher than yours.
When my FIL died, my MIL's amount in her SS check was increased to be what my FIL's amount was before he died.
If you are over 65 with no SS of your own and your hubby who has SS dies, you get part of his, not all but part. If you are younger, and the old coot dies, you get nothing until you are retirement age. If you have your own, you either get yours or part of his whichever is larger I do believe.
At one point I do think working women got nothing from their account if husband had SS coming in. Now I think we each get ours from our own account. I don't know when that was changed but it hasn't been that long.