Part of the “fraud” is the FACT that the government (mainly the libs) have allowed people onto SS that have NO RIGHT to it. They never paid into it, and now take from it. This needs to be fixed. That, plus the DC government stealing money from SS to spend on vote-getting trash.
SS can work if it is used for what it was intended and WHO it was intended for.
Social Security is a fraud, it has always been a fraud and it will always be a fraud. It is a pay as you go, rob Peter to pay Paul, socialistic pyramid.
If you want it to “work” you better expect much lower benefits in the future (In real terms if not in nominal ones) because the money just won’t be there.