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I understand that logic but currently we receive ~enough federal revenue to cover SS, Medicare, Medicaid and interest on the debt. ALL other government activities are borrowed for. The reality is these entitlements will eventually break us. I realize that I/we paid into them but at some point many will have to relinquish their 'entitlement' to these or else...? And before you go down the 'raise taxes' road, the upper 30-40% earners just don't make that much collectively.
So I get a benefit just to give it away? Why not just leave it in the gov't coffers to be used by someone who NEEDS it?
Here is one of the problems, when SS and Medicare were first brought on line they were done so in a well thought out way with enough taxes/revenue to take care of each and to keep each program solvent into the unforeseeable future. But as time went by congress kept adding programs and more and more people to each, expanding those programs to provide more and more benefits to the people. But congress didn't do what was necessary for SS and Medicare to exist in to the unforeseeable future. They didn't add the cost in taxes/revenue. All these congress's added and added to SS and Medicare, but didn't provide any means to pay for what they were adding. So what they were doing is charging future generations for what we receive today. one of the reasons all these different congress's did this is if they say, raised the tax on whatever program to pay for it as we go, you might see as an example SS tax rise from 10% to 20% to pay for the additional coverage and people brought under the system. But chances were that most Americans would be hollering heck no don't add that, no way do I want to pay more than 10%.
In other words, it isn't these programs as originally designed that produced the problems, it is all the additions added on with no thought about paying for them that has caused us to be where we are today. these problems can be fixed by congress if it had the political will, but it doesn't. For SS, it came on line when the average age a person lived to was 65 and that was the age FDR and congress chose to be the age to start drawing SS benefits. I'm not sure what it is today, 77 or there abouts I think. One thing congress could do is move the age back say from 62-67 to 65-70. It could raise the SS tax itself, it could cut benefits a bit to everyone. But there is no political will to do so, everyone in congress is afraid if they do something to fix SS and or medicare, the voters will get mad and no re-elect them. So we continue on until one or the other or both go broke.
Do as you will, you ask what I would do or what I thought you should do. I say take it. Charities and other organization are better at taking care of the poor than the government is anyway. I am an old fart and I can remember neighbors, family, the local community taking care of its own when the only type of government program back then was SS. No welfare or medicare etc. This was the 1950's. Government give a credit card, EBT or a check to bank. Back then people gave of themselves, their time, their energy, their money, their heart and soul to help each other. Today those same people who did so much to help others now just tell someone in need, to go down to the nearest government office. My, have times changed.