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I think you're going to have a hard time eliminating Social Security; the voters won't stand for it. They paid into it, so it seems unfair for them to not get
by Grishnakh 11y ago
I think you're going to have a hard time eliminating Social Security; the voters won't stand for it. They paid into it, so it seems unfair for them to not get paid back out of it.
What would work, I think, might be a phase-out: for anyone who's getting less in SS payments than the UBI, just replace their SS with UBI. For everyone making more, they don't get a UBI, they just keep drawing SS. (Or, you could say they get UBI plus the difference between SS and UBI.)
Then eliminate the SS portion of the FICA tax and stop everyone from paying into it going forward. Then there'll be some math involved in figuring out how much people who partially paid into it get, but the end effect is that SS will cost less and less money until finally everyone's aged out (to the point where the amount they'd draw is less than UBI so we can just cancel SS altogether). It'll cost a bit more in the short term to do it this way, but it's more fair to people who paid into the SS system and it won't get the AARP voting against you.
>Edit / Afterthought: No one currently receiving social security or unemployment will support this proposal because they are all receiving way more than that. More than 700/month, and certainly more than they need to survive.
Again, you'll have to phase it out. Unemployment is an insurance program that people have paid into, just like SS, so of course they expect it to be there if they need it. And it may (or may not, depends on the person and their income) pay more than they need to survive, but if they have a lot of expenses like a big mortgage then that's irrelevant. They've been forced to live in a society where having a job is basically required for survival unless you get on the dole (which prevents you from working, so it's a trap), so unemployment is something the society has created to mitigate risk.
But like SS, it could be phased out (and the taxation from that eliminated). It could probably be replaced with privately-run unemployment insurance though, but it wouldn't be as necessary with UBI.
But your $700/month sounds low to me. I know it's supposed to be a bare minimum, but even that seems too little to me to live on with today's rent prices. I do think the government has a responsibility to do something about that; rents have been driven up far too much by Wall Street, foreign investors, speculation, etc. UBI needs to be enough for someone to live on with roommates (and not more than 1 per bedroom at market rates), in an average cost-of-living area, plus reasonable grocery store bills and a bit extra to cover transportation costs. If it isn't enough for that, it won't work, and it needs to be jacked up until it is. If that means instituting a big tax on Wall Street, then so be it, since they're largely responsible for the cost of living being what it is.
- mac01021 11y agoI agree with you 100% about the lack of political viability. But I also think a system that requires taxpayers to fund more than basic living expenses for non-taxpayers is unjust. Everyone should be able to stay warm and dry, safe and clean, with a soft bed and a healthy diet. Anything beyond that is luxury. In particular: - Just because you don't have enough income to pay your big mortgage doesn't mean others should have to pay so you can live in a massive house. Regardless of your previous income, you should sell it or let it be repossessed (and continue to live safely and healthily elsewhere). Otherwise you're asking people who live less extravagantly to fund your own extravagance. - Likewise, many hardworking people take a roommate to save money. Should they have to pay for other people to live more extravagantly? There is nothing unhealthy or unsafe (in general) about sleeping in the same room with another person, or turning a room that fits 2 people into two smaller rooms. I think in an average cost-of-living town in the US, you need 300 to 350 to rent a room (all to yourself!), 250 for groceries, soap, razor blades, etc. That leaves 100 or 150 to get around. Certainly not enough for a car or taxi rides. But I think just about everyone should be able to find a place within walking/biking/city-bus distance from the grocery store, though in some sprawly towns it might take a couple of hours to get there.
- majewsky 11y ago> Everyone should be able to stay warm and dry, safe and clean, with a soft bed and a healthy diet. Anything beyond that is luxury. The definition of "luxury" changes over time. Today, you should include internet access in the list of basic needs since it is needed for many forms of social interaction.
- Grishnakh 11y agoHere again is another place where we need a lot more government regulation. People who don't work should not be getting $100/month or whatever for internet access. Instead, they should be able to afford a $15/month plan. Over in Europe, they have stuff like that, because they have real regulation, so internet service is much, much cheaper (of course, their internet and telecom companies aren't as profitable as ours; boo hoo). We need to do the same thing here.