You make good points, but there's an even better argument for saying "to hell with Social Security": it can't work. It was originally set to kick it at 65 when the life expectancy wasn't much higher than that. Now with it something like ten years ahead of that, it must pay out faar more than it ever can take in. It needs to be at least restructured to peg the starting date to societal life expectancy, otherwise we won't have to fuck social security. It'll go fuck itself soon enough.