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Where are you getting the 70 years old number combined with the "have to wait until" logic?
In the USA you can start taking Social Security at as young as 62, with most waiting until 67 for full benefits. The only folks waiting until 70 are those that want even MORE than the full benefit.
I think they're assuming retirement age will be raised by the time they retire.
If the pattern follows from the last age raise (from 65 to 67) then the people that will be affected by an "age 70 for full benefits" may not even be born yet. The last age raise started in 1983 and just came into full effect in 2022 (for only a 2 year age increase).
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