Social Security should be means tested for income.
One should be able to withdraw all that has been deposited, over the course of however many months, and then folliowing that--usually it teakes less than 2 years to recover all that has been put in--following that, there should be a means-structure. Super-rich people--the ones who oppose paying their fair share, should not be collecting social security on the backs of younger workers. Social Security should be a baseline payment, as it was intended to be. Magazine articles have touted the idea that one can "payback" all the social security money received by an individual and then the person can reapply for benefits at a much higher rate. This is scamming the system. One hears commentators say that he or she "gives social security to charity", and sounds proud of it.
Give it to the Treasury and the American people---Give It Back.