It's a bad point. SS was never set up to work properly as a retirement system. It was supposed to be insurance, not a savings account. How many years does it take a person retiring today to get back all the money they paid in? Four or five years and what you paid in is paid back and then where does the money come from?
Too many in America believe in the free lunch and they vote for politicians promising more free lunches. Any politician that votes to really fix our problems will get the boot. We're watching a slow motion train wreck.