Reply #25: there is nothing wrong with t-bills as an investment.

[Warren Stupidity]

However, as we have seen, Congress cannot avoid the temptation to cut other taxes while FICA runs a surplus, and then that same Congress cannot seem to find a way to put those taxes back when the wheel turns and the trust fund has to be paid back.

So the real answer is to take SS and Medicare out of the trust fund entirely and make them part of the general budget. No FICA, no surplus. Put the income tax rates back to where they were in 1980, and put everyone on Medicare.