It is a tax now. If you are too naive to understand that, then maybe you are on the wrong forum. FICA is a TAX.
It is a TAX on YOUR INCOME.
It is AN INCOME TAX.
It only applies to the first $108,000 of YOUR income.
The money you are putting in now is being spent now.
It is NOT A RETIREMENT ACCOUNT.
IT IS A TAX.
Is that clear enough for you?
It is a tax and there is no obligation they have to pay. If your a working stiff and happen to live long enough, you're likely to get a good chunk of FICA taxes back.
There are tax loop holes are there for the working stiff if they want to take them. I see posts on a fairly regular basis that people cashed in their 401K and took the penalty because they read some tin foil post about the government grabbing 401K's.