To anticipate your next dodge of my question, yes, if you didn't have to pay SS tax you'd have more to save, just as you would if you didn't have to pay so much income tax or so much for food or so many other things that are beyond your immediate control.

So, back to my question. We're talking about the entire country, not just you. What's your proposal for dealing with everybody else?

So your thought is all retirement rules should be setup for the "REST" or lowest person in the food chain of capitalistic America? Do the rest get a different break when getting a credit card, a mortgage, a car loan?

Define everybody else? I feel your driving at the poor? Maybe not, I'm not sure.