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Should social security be phased out and all the money placed in a retirement plan like an IRA or a 401k? If social security becomes privatized in these individual retirement plans, what happens if there's just not enough there for you to live on because you bet wrong in the stock market? Or because you live too long and your funds ran out? Or if you become disabled? Or if you die leaving minor children? If the accounts are completely individual and you can't draw from a larger insurance fund, do you just become homeless or just die?

These are questions proponents of individual funds can never answer. They demonstrate the superiority of the current social security system.
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