An "ordinary savings account" can't give you a stream of income for the rest of your life that adjusts for inflation, even if you have to retire early due to di

An "ordinary savings account" can't give you a stream of income for the rest of your life that adjusts for inflation, even if you have to retire early due to disability, regardless of the state of the stock market or interest rates. And right now, Social Security loans money to the rest of the government, not vice versa.