Rubicon,
Good to hear from you, too.
While I basically agree with you - you did not mention the personal responsibility of individuals to contribute to their own retirements exclusive of Social Security. As soon as I began working, I saved money every pay period in savings accounts and rolled those into IRA's. It was not a lot of saving each pay period but it added up nicely over the course of 36 years.
Once again, Social Security was never meant to be the only retirement people would have but would be a supplement to their savings.
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