You do not get to redefine words that easily. Social Security is the original entitlement. And it is not an investment. It should be, but that would mean converting from pay as you go to a fully funded system. Bottom line, Social Security is a highly redistributive, non-means tested welfare system based on intergenerational transfers. It will collapse the moment the rising generation believes it will be less affluent than its predecessor. At that point, the peasants will realize that it is a money losing ponzi scheme and revolt.
Fine. Give me the option of a one time check, for everything I’ve paid in, plus some interest, and it’s a no brainer.
That won’t happen.