I sent what you said to my uncle to get his reaction. I still get about 270K, and never the less understand about lower spousal benefit and people getting disability without paying enough in. The 50% or so who never get it have their money in there, supposedly. However, the growth only economy started when LBJ and cohorts took the SS Individual accounts and put them into the general spending fund around 1965, to pay for massive escalation of the Vietnam War. After that it was just an illusion that you were getting your own money back, when it was really under-funded by the workers of that day, or today.
Raiding so called SS funds became a hobby of our yoyos, along with overspending and buying votes from government workers(with raise after raise, to themselves, too). Also, the yoyos are borrowing 3 or 4 dollars for every ten they spend.
I think all the yoyos in DC should be all sent up to the space station with no funding for their support or return.