In my opinion: Government is the problem.
Government, since the 1930s, has redefined itself as one big ponzi scheme. (I am using a lower-case P to emphasize how disgusted I am with that scheme.)
Let’s take a look; Social Security. Where is the money taken in invested? Nowhere. The payroll tax is just a tax that is being used to run the government.
So, how will the government be able to pay retirees and also provide inflation increases if the money paid in is not invested?
As an aide for Sherrod Brown told me, the money actually paid to retirees by Social Security and Medicare comes from the general tax revenue.
How can the government continue to spend money it does not have?