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I always wonder about corruption when there's lots of money sloshing around and no one is interested in looking into where it's going.
There's also a lot of inertia against cutting senior benefits and usually the side of the argument that fits on a bumper sticker wins.
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Yeah, family is a massive component — one high-income earner, another low or average — and instantly shove you into social policy territory: incentivize marriage, make spouses economically dependent on one another etc etc. do the contributions follow the earner or the family unit in case or splitup?
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This has always seemed so simple, which means they don't want to fix it. The two most obvious starting places would be easy political sells:
The reason Social Security sort of worked early on was that most people died before they could withdraw more than they had paid in.
There's a third element that I'd add to take a ton of pressure off the system:
Similar to child care, elder care should be a family obligation before it's a societal one.