Its a wealth transfer - young people pay in, old people get paid. Also, some amount is currently being set aside for when there aren't enough young people payi

Its a wealth transfer - young people pay in, old people get paid. Also, some amount is currently being set aside for when there aren't enough young people paying in to pay for all the old people directly. That amount looks like it won't be enough, so in the future either a) old people will get paid out a little less or b) young people will pay in a little more. Where's the scheme?