I know it's a bit frustrating for me and my husband to pay a lot of money into something like Social Security, with no guarantees that we will ever see that money in 30 years. We could retire early if we were able to invest that money ourselves every month...my husband hits the max threshold usually around September and it results in hundreds of extra dollars in income every paycheck after they stop pulling the money from his checks. Imagine what we could do with that money throughout the year if we were allowed to invest it ourselves?
But, I don't fault the Boomers as a whole for that, as I know they paid into it too and are just collecting what they were promised. My mom uses her SS for all of her spending money for things like groceries and medications for the month so she doesn't have to dip into other retirement savings until her husband retires in 10 years (he's younger than her). I fault the mismanagement of the fund by our government that will likely make it so we don't see that money ever again.