You can't take it away for one reason, WE gave them our money and THEY are providing minimal returns on it. It's a Ponzi Scheme, but it's their Ponzi scheme and they used our money elsewhere and we are owed our money back with interest.
You can’t just give folks their cash back either... as most will withdraw far far more than they ever put in.... even with interest.. over the course of their lives.
Yes its s ponzi scheme, but it was never intended to ever really pay out other than to those whos husbands or fathers died....
Life expectancy grew, age to claim stayed stagnant, now folks are living 20 or more years taking out far more than they put in.
But you can’t just cash it all out and say We’re done.. unless you want millions of elderly homeless and even more destitute.