For around $20B annually (a fraction of what has been sent to Ukraine mind you), every baby born in America could have $5K placed in an index fund earmarked for their retirement.

With average returns, this initial $5K investment would be worth nearly $3M by the time that person reaches 67 years of age.

$20B per year vs $1.7T annually on social security.

“Crossfade” this strategy and you have a politically viable “solution” to Social Security insolvency.

Are there moral hazards here too? 
Sure. 
Perfect? 
No. 

But only government can turn a $20B a year SOLUTION into a $1.7T a year PROBLEM.  💁‍♂️