<prompt> Human: I know part of every paycheck is also used for MedicareMedicaid. This money goes into funding healthcare, medicine, pills and prescriptions, hospitals and care homes. I also agree it is more likely that elderly people may need those services more in their retirement years.But if the idea of social security is that you are putting away part of your paycheck for saving for a rainy daywhen you no longer are working, then why cant there be a way to generate more funds for each person from it? Is there an economic limit to how many people can open a retirement savingsRoth IRA account, and how much they can put into it? Before there wouldnt be enough money for everyone to cash out when the time comes. I know the limit for an IRA is 5,500 a year with possible employer matching up to that amount. How is social security, with some elderly people still struggling to live off their payments, better than investing that money from your paycheck in another way?  <response>: 1. because people suck at saving and the govt will provide for poor americans, so consider SS a forced retirement account so they dont have to support undisciplined retirees out of the regular welfare budget.2. individual investors may lack investment opportunities, more true in the past than today. SS provides a way to combine moneys into a large pot with professional oversight. 