I would like to offer you a deal.
I will put a gun to your head (ok, it's not really an "offer") and take a significant percentage of your monthly income for the next 30 or 40 years (the number could change so I will get back to you). I will guarantee you a benefit at some point to be paid out of a "fund", but I can't tell you how much it will be, and I will not pay you a market rate of interest nor will you have any say over how your (I mean "our" - did I add a "y" to that word…silly me) money will be spent. In fact, I will not even invest the money. You see, I need it to pay back people I made this same deal with a long time ago. Oh, by the way, my colleagues will need to borrow from this "fund", but don’t worry, they have given me IOU's which I keep in a three ring binder in an office in Parkersburg, West Virginia.
How much in IOU's, you ask? Oh, only about $2.5 trillion. Can we sell the IOU's in the open market and raise cash? No, they are non negotiable. How much are we collecting this year versus how much we are paying out? Well, we are a little behind this year - only about $29 billion. Don't worry, my buddies and I will be around for a while so when your time comes to receive the benefit, we will make this "offer" to others…What, you could make million's of dollars in compound interest if you could keep your own money and invest it? Again, uh, this is really not a negotiation...You're going to call the police? I am the police...
Someone explain to me how Social Security is not a form of organized crime?