Ok, I’m on board with all of this. I don’t understand the blaming though (or am I assuming blame?). The pensions were considered deferred compensation and a sacrosanct contract when the promises were issued. The promises were broken, by both lobbied legislation allowing for pension malfeasance and a culture of rabid destructive pillory by the speculator class. I don’t know why this is the fault of working people who had listened to the unending and loud declarations, echoed in all media, that this would work out for the best. It was total bullshit, but I think the fault lies with the bullshitters, not the bullshittees.
I don’t know how this works? If you are a regular employee, not a contract employee, it isn’t possible to avoid Social Security. Perhaps you meant something else. I don’t know what that is though.
The rest of what you wrote seems to be pretty much in agreement with what I posted. I don’t know if you’re agreeing with me or arguing against me.
I’m not in an argument with you though, just to clarify.