There is an 8% increase every year from 66 till 70. It’s hard to find 1% interest rate now., let alone 8%. Depending on your health, habits, genes, weight and Covid antibody status it usually pays to wait as long as possible. It’s more complicated if you have a spouse, and the wrong decision there can cost the surviving spouse thousands over their lifetime. It’s smart to get all the facts. Taking the minimum benefit early usually favors the government.
While you make a good point, I would counter that if you have other income sources in retirement, early SS is the best bet. Use that money while you are still active and can enjoy it.