The gist on Social Security Reform

The real scandal here is that a retirement system you pay into with 10.6% of your income your whole life (and less if you're wealthy, since payroll taxes are regressive) can only provide you with a meager benefit of $922 a month -- and this is for Social Security at its zenith, before the baby boomers retire. That's not a safety net. In a $10 trillion economy, that's a massive, gaping hole in the safety net.
Thankfully, most people have other income to supplement their Social Security. But not the lower middle class recipients that are the Post's chief concern; that $922 is their only income -- if Social Security goes belly up, they're the ones who'll feel it first. Risk is what we'll have if we do nothing.
PRAs have the potential of being the great equalizer in our society; poorer workers whose investments fare better could catch up to the retirement income earned by middle class workers. Shouldn't it be our goal for poor workers to have the opportunity to actually do well, and not just subsist just above the poverty line -- the modus operandi of the Great Society Democratic machine?