Firstly, I think FC is most likely correct that the status quo will continue until the SS/Medicare scam collapses under its own systemic flaws; I don’t believe that this is the only possible future but given the persistent fallacies regarding what these programs are make legitimate solutions very difficult to explain or sell.
The taxes that I have paid for almost 4 decades under the title “SSI & Medicare” have never been “my money set aside for my retirement by the government” ; these programs were NEVER set up that way and have NEVER been altered to become such a structure.
Those who pay today fund those who receive today, all those who receive tomorrow will be funded by those who pay taxes tomorrow.
FDR sold it as the former but the legislation NEVER supported the propaganda, this has been established multiple times over the decades but the fallacy has endured; this fallacy is why it can only collapse in flames as opposed to being fixed.
I have no legal basis for believing that I am “owed” a single nickel back from these taxes that I have paid beyond whatever benefits (roads, national defense and so forth) that are gleaned at any given time; the fact that government can title different taxes with different names perpetuates the illusion that these taxes are “different” or “earmarked” or “designated” for specific things but that is absolutely not true and has never been true.
Congress never “raided Social Security” they simply spent what was in the general fund which is their job; it is OUR JOB to send Representatives to Congress who are responsible with that power.
We do not take our part seriously enough so we get horribly irresponsible spending from our chosen leaders; they give us what we demand and we demand stupid ideas that we then demand must endure.
Stupid is supposed to hurt, that is the universes way of getting us to stop being stupid; we have proved to be very committed to our stupidity while also demanding no pain or accountability for our stupidity.
But we will discover the same truths that humanity has been relearning for all of our history; the pain will come and we will suffer in relation to how long we have chosen to do stupid things.
There will be no magic government subsidy with my name on it when I reach some randomly determined age because I am a taxpayer, not a customer with a contract that obligates the government to anything.
I accepted those facts back in the early 1980’s when I researched what these “programs” were actually designed to be (as opposed to the propaganda that has been so prevalent since their inception).
I have no Right to expect anything but the logical path that my fellow citizens embrace via their votes that populate the House of Representatives.
In other words, I can only expect the pain and strife that follows the stupid everyday of their lives; to a lesser degree if I prepare for what is true and trust God over government but “the rain falls on the just and the unjust alike”.