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So once again the government is needed as a baby-sitter/guardian.
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The government has been this specific "baby sitter-guardian" since half our elderly were in poverty after the great depression of the last century.
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Some people do plan and in this country they pay dearly for it in everything from inflated inheritance to property tax.
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What is the point of this argument? That life is futile? That some people are poor planners?
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SS in private hands would be an illegal Ponzi scheme as the money paid in by recipients today is long gone and they are only able to be paid by new contributors who are forced in by law instead of having to be suckered
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But Social Security isn't in private hands (a good thing, most of the funds would have gone the way of the private funds over the past two years). It was designed to work as it does.