While your solution to Social Security was to cut it and let those who are barely making ends meet off it already to full on go under and telling them they need to ween themselves off with the only 2 things they can ween themselves onto is either death or trying to get a job at 60-80 years old and in deteriorating health. Not a solution but you have refused to address that failing in your logic but the question I want to ask specifically is this:
Under your solution, you say that people should invest in their retirements in systems other than Social Security and that that system should be entirely OPTIONAL. Under that system, a statistically significant people will not take that "Option" because they are either too poor to or too dumb or short sighted to think that far. That will amount to at LEAST 15% of the elderly population even under the rosiest of predictions, probably closer to 35%+.
For those of that group who have gotten too old to work and have no retirement because they weren't forced to pay into it because you made it optional when it wasn't. What is your solution to handle them?
And saying that you don't care isn't an answer because if you are a government or society or even a person who doesn't want to deal with the increased crime from these people trying to survive when they are too old to work and too broke not to and just don't want a gun at your head so some elderly man can eat or pay for his medicines and roof over his head, just ignoring them is NOT an option.
So, you can't ignore them and there is no way to imprison THAT much of our population let alone the political and social fallout of explaining WHY you are locking them away was because they were forced to commit crimes to survive as an elderly person in our system.
So, what is your solution to handle that section of the population? And, as I said, ignoring them IS NOT AN OPTION.
Edit: Also remember that those you just cut social security on who was on the cusp of surviving will also be a part of that group I am asking about, making it even larger.