re: Social Security - Help me understand better

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You’re right, letting poor people opt out of SS so they can bump up that payday loan just a little more is a fantastic idea.

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A word to the wise: if you don't understand what you're reading, simply say so. I'm happy to clarify. If you don't understand what you are reading, and attempt to respond sarcastically, it doesn't come off well.
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The point is, taking money from a working class employee, holding it for 40yrs, using it to monetize your own debt over the ensuing period, then returning it in monthly aliquots at a miserable ROI IS NO BENEFIT. It is no service.

Taking that money, investing it in a US Treasury account with full ownership of residuals, would be a service. Investing it in a standard retirement account would be a service. Using it as a federal debt vehicle for 40yrs, then returning it incrementally at subpar rates to inflation is not a service. It is not a favor.