Privat accounts are a good idea. SS is not a Ponzi scheme. No one is getting rich from SS. SS as originally concieved was just that , SS for seniors who for the most part paid into the system all their working lives. I paid in to support the needs of the previous generation, my kids will support my generation. There is nothing devious or crooked about that.
Remember, there was always a surplus until our corrupt Congress raided the fund to pay for votes by adding support for disabled, SSA, etc. These programs should be covered by the Dept of Health and Human Services, but then Congress would have to raise the debt to pay for the programs, instead of stealing the money from SS, which goes virtually unnoticed.