Congress must provide for those currently retired and nearing retirement, and then allow individuals to opt out of the program. Today's workers cannot afford to retire on the promise that in 40 years Congress will still allow this ridiculously low return. Twenty years ago, few could afford air travel. Since then, partial deregulation of airlines has increased competition and reduced prices dramatically. The same could happen in the medical care and insurance markets.
Government regulations are a cost that businesses are forced to pass on to their customers.