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That's not how Social Security works, and it never has worked that way.
SocSec is not a retirement account. It is a program that provides income to people who are retired, and it is funded by payroll withholding from people who have not retired. Prior to SocSec, there was a huge problem with poverty among the elderly, people who were no longer able to work, or not able to work the kind of demanding physical labor they used to. It was then, and is still now, wrong for society to abandon people to poverty when they're no longer able to work.
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 actually fix the problem instead of creating a new one.
Yeah, but that would hurt the feelings of billionaires.
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.
If you want it back, you're going to have to take it back.