Having rich people pay into a system and then die is just beneficial. Even if their withdrawal rates are based on contributions. They will leave money behind or they with be neutral.

Someone making $36k a year pays $4,464 dollars for SS.

12.4% is a good retirement fund.

So government takes what could be your good retirement fund so you can save another 12.4%?

If someone really could save 24.8% they would have a great retirement. Yet the retirement for someone making $36K a year is looking grim.