This is exactly why Bush's Social Security reform might be a good thing. He wanted to let you take some portion of your Social Security Taxes and put them in a account that you owned. You could invest those funds in a limited number of ways. I agree that there are risks to doing this, but there are risks in having it all in one pot too. As it is now, Congress is spending all the surplus from Social Security and giving IOM.'s ( I the goverment owe myself ). At least with his plan, you could stay with the existing system, or as Harold wanted to do, opt out of at least a portion of the plan.
Meanwhile I am doing my bit to help keep Social Security alive. In 04 I contributed $1881 to Social Security and in turn I will get $2 a month more benefits. If I were to live another 78 years, I will get back all that money ( but no interest ). Such a deal.
Dan