I actually agree it's a failed system, I think there's just a way to go about it and not. We grew up knowing we would never see a cent of it, the older generation did not and is currently relying on it in many circumstances. However many of them are not at all, and are way better off than we are. It should be a circumstantial cut off, need based. Not just cutting the program all together. I know a lot of boomers that don't need it at all, I know a lot of boomers who do.