So I work for 45+ years, paying SS tax for those 45+ years, and what that gets me is a loan when I retire with payback deferred until I die? You'll have a hard

So I work for 45+ years, paying SS tax for those 45+ years, and what that gets me is a loan when I retire with payback deferred until I die? You'll have a hard time convincing anyone that they want to participate in that.