People complain more about the self-funding social security payroll tax of 6% than they do about the 3% rents charged by credit card companies. Heck some

People complain more about the self-funding social security payroll tax of 6% than they do about the 3% rents charged by credit card companies. Heck some people spend more on their smartphone, cable and internet plans than they do on social security. But I can choose not to use a credit card, buy a smartphone, or sign up for cable or internet. I can't opt out of Social Security. We have to be clear on whether it's supposed to be a great deal for everyone, or whether it's meant to be a redistributive program. If it's supposed to be a great deal for everyone, ok, well, I have a different opinion. Let me opt out. You can continue to use it. Alternatively, if it's supposed to be a redistributive program, well, then you might see why people complain about it. If it's redistributive, by definition some will pay in more than they get out, and others will pay in less than they get out. All that the rational critics of Social Security, Medicare, and Medicaid want is the ability to opt out, in the same way we can switch from AT&T to Verizon. Right now you can only opt out via the very high friction process of moving and giving up citizenship.