True. Also, insurance co.’s take your premiums and invest them to make a profit. Then your claim is paid from proceeds and premiums are set according to profit motive. With SS, the ‘premiums’ are spent, and when your claim is put in, they take money from other taxes and pay it. That’s part of why we’re broke. Govt’ is always the most inefficient way to do anything like this. We are bankrupting our grandchildren with inefficient programs like this, whether you think they are worthy or not.