Ashrem
Oh Wise One
Social security is part of a societal contract for the betterment of the collective. The only way it can pay out more than it receives is by borrowing from the following generations. Like everything else that humans do, administration bleeds a portion off the top, even if everyone behaved altruistically, which never happens. "Fair" is a value judgement that will not be identical between two people. Fairness is a laudable goal, but is a physical impossibility. the best we can hope for "equally," by treating everyone the same, regardless of whether it is fair to do so. Social Security attempts to treat everyone the same.
It's not possible for an income redistribution to be fair to everyone, so to be equal it has to aim to be fair to the largest possible group. That manifests as: people who are not healthy will get less out than they put in. There is no way around that which will satisfy enough people to make it work. In the meantime, there will always be people who don't care about the greater good, and so will go out of their way to avoid any possibility of putting in more than they get back, leaving yet another way in which it will always be unfair.
It's not possible for an income redistribution to be fair to everyone, so to be equal it has to aim to be fair to the largest possible group. That manifests as: people who are not healthy will get less out than they put in. There is no way around that which will satisfy enough people to make it work. In the meantime, there will always be people who don't care about the greater good, and so will go out of their way to avoid any possibility of putting in more than they get back, leaving yet another way in which it will always be unfair.