Jagibelieve, I think you hit the nail on the head with social security being individualized with no Government interference or at least very limited regulations so the money is guarantee to go to your retirement and as you said, should be allowed to pass down. While in fairytale land, social security has worked in the sense many people would be on the streets without it, but the fairy tale ended when the Government stole from it. Reagan is a big part of the blame and scammed Americans out of the money. So when people are being paid with non existent money we cannot say it is working. We are just using a bottle of codeine to cover the pain. Government, ours at least, has a way of screwing the American people over and now it is growing bigger then ever. Big Government Bush and Big Government Obama will have put us in almost 20 trillion dollars of debt by themselves. The richest nation in the world is all a sham with smoke and mirrors, but nobody wants to look behind the curtain. Eventually we will have to or our Country will be another page in history on how great civilizations destroy themselves.

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