We're already at the point where participating doesn't make sense for a lot of workers, that's why tax increases (which must happen if we don't aggressively cut spending and even with the minor cuts we've had there's been incredible wailing) are coming from tariffs instead.

It's very unlikely the federal governments future obligations will be met in real dollars. I've said before "at the end of the day all retirement plans are effectively market driven." I wouldn't want to be depending on social security right now.