Oh, you're a hard-hearted man!
But I agree with you on letting people opt out of social security. Problem is, you are paying for those who are drawing ss since the gov't long ago spent the money they paid in. So the pols don't want to let anyone opt out.
It's a vicious cycle but someone has to start being realistic about making changes. People are going to lose out, I say we start by cutting off social security payments to those retired folks who have a good income without it.
Rejoice ever more. 1 Thessalonians 5:16