Forced "investment"
You are not the problem with SS as you paid in and thus rightfully expect to benefit. The problem is that the politicians have decided to use the "retirement" program like a welfare program. There are many getting SS benefits who never paid (or paid little). I frequently see billboards with lawyers advertising their services to help get SS disability. I know of healthy people in their 40s who get SS disability and will for the next 30 to 40 years until they die.
These are the reasons why SS is going broke. Like normal when there is a large amount of money involved, the politicians cannot keep their hands off and end up using the money to benefit themselves. In this case making it easier for those who should not get benefits to get them. They do this because those getting the benefits will turn around and vote for the politicians who allowed it. So in effect the politicians are giving away our money to those who don't deserve it so that they can buy their votes.
Wouldn't you have rather invested your "real money" on your own instead of being forced to "invest" in this government give away?