The problem is that he's not sure where they go, so he continually tries to stuff them into his rectum.
All of this Social Security talk really drives home the point of just what a terrible deal it is, when you consider the 12.4 percent contribution rate (when you include employer contributions)
Can you imagine what a self-directed retirement account would be worth by the time you're 65 if 12.4 percent of every dollar you ever earned had been invested, starting with your very first job (for most folks, when they're 15 or 16 years)? Good grief...
Granted, it's not really feasible because if everyone did that, it would do really strange things to the stock market (distorting it to the breaking point probably. I'm not an economist, but at face value, it doesn't seem workable), but it DOES beg the question; Those funds, from it's inception, should have been invested in SOMETHING, even low yield. It could have avoided a lot of issues, and our debt would not be nearly as large as it is now.