Because the number of payers per payee keeps getting smaller and the number of payees keeps increasing and living longer. By allowing 2% of SS tax to be set aside in private accounts that will earn more than the system does now, it will cost a trillion or so more now to meet the promised payments, but a lot less than making up several trillion in shortfalls every year by raising taxes or the SS system goes broke in 30, 40, or 50 years, maybe the entire Fed gov't. Bummer.
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