Crickett, you make a common error when talking about Social Security and the potential earnings from Social Security "contributions.
How would you propose that the government could "invest" the "money"?
Do you want the government to invest in the stock market?
Wouldn't that mean that they would have to protect the investments and favor one company or stock over another?
How could the government invest in any bank, stock or anything else without disrupting the free market.
The fact is that the government can not invest trillions of dollars without disastrous consequences, and the first to retire on Social Security were paid by the people still working and it has been that way since day one, there has NEVER been a "trust fund" of any kind.
It started off with false promises and premises and nothing has changed.