I see your point here. Basically depending on how much you put into your private account, is what you are getting back when you retire. Yes their are some people that are making minimum wage maybe because they didn't get a diploma, or whatever. These people will have a hard time when they retire because of so little going in. This proposed plan however, is a plan that will not make the system go bankrupt. Their can be other proposed plans from the left, but I am yet to hear of any. Social Security itself today, is paying out more than what it is taking in. It needs to be fixed.