Lots of good things here. Go back and read how SS was sold. One of FDR's cabinet called it widows ins., as when men dropped dead women and children were left without a means of support. ( women did not work outside the hm much then )

It evolved into a secondary retirement with good intentions but little thought, in fact benefits are described as a x mas tree by some historians. As to need that was never a driver as to benefits, nor the purpose as it was aimed at individuals and not income redistribution. The cap has allowed upper income to not pay the tax on their entire income. Benefits to those who pay little in and qualify for minimum are a bit of a reach. ( illegals love that one ) Then the biggy...........SS is a Ponzi scream of sorts. It is dependant on you not living past stats average, that more will be paying to maintain those on the rolls, and oh yes if you die early on everything paid in by you and your employer is lost to your family ( mostly ).

It is a necessary thing SS is, but long past being represented honestly by government as to cost, priorities, and intent.