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It should’ve been a retirement account. It would make it solvent forever. Instead it is a system that depends on ever growing population.
It should have been a proper entitlement instead of worker funded.
If we fund it through general taxes instead of payroll, you have the wonderful effect where everyone is covered and the program can never go insolvent. When population dynamics result in a generation of retirees bigger than the current workforce you just need to change tax rates or deficit spend.
They could also remove the cap on it.
Yeah, but that would hurt the feelings of billionaires.
Yeah, but that would actually fix the problem instead of creating a new one.
401k and IRAs are retirement accounts.
It already is solvent forever. Every year, it collects money from workers and pays it out to retirees. It can do this forever.
It doesn't depend on an ever growing population. It depends on a certain percentage of people dying before they collect.