Imagine being forced to give someone 6.2% of your paycheck, every single check, every month, for 30 to 50 years of your life.

And that person said, "Don't worry, I'm holding this for you and will pay it back to you on a monthly basis, when you retire at 65."

And then they said, "Nah, just kidding. I meant when you retire at 67. And at that time, I'll only give you 70% of what you paid me."

And then they said, "Oops, I spent all your money. You're out of luck."

That's the U.S. government.