Somebody touched upon something that wasn't discussed in referencing SS......rates of inflation. We all know it's ridiculously high at this point, and retirees get hit the hardest because of set incomes from their pensions and SS payments. The rates force people to depend(there's that nasty evil word again) on SS more heavily then they would ordinarily. They haven't any extra for anything praying that nothing on the home front goes bad and forces a withdrawal of funds that should be used to earn interest(not since the era of zero interest from the FED.
Personally I get a real kick from telling my mother, I wish the program would have died years ago just to observe her facial expressions. She gets a a retirement from teaching for 26 years, medicare, SSI and top it all off she got money from her mother that actually worked her ass off providing a retirement egg. Well, my mother really f**ked it all up. You see, she took her 5% tax free earning retirement and bought gold from some yahoo con artist and she got zilch, nodda, but did get a real dressing down from her husband, my step father, that knew how to work money. He should have kicked her to the curb and I wouldn't have blamed him if he did so(yes, she's an idiot and voting for the gernig twice confirmed it). Anyway, she still get's the SSI and mediscare and is allowed to live modestly from what was left after the Soros engineered crash(millions gone).
Point I'm making is she wasn't forced to use her fracking brain to save for retirement.