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Both of the problems could easily be solved by replacing SS with an ordinary savings account. Not to mention that Fed loans to SS aggravates inflation greatly.

An "ordinary savings account" can't give you a stream of income for the rest of your life that adjusts for inflation, even if you have to retire early due to disability, regardless of the state of the stock market or interest rates.

And right now, Social Security loans money to the rest of the government, not vice versa.

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