Social Security is an insurance program. Which is why it&#x27;s formal name is: Old-Age, Survivors, and Disability Insurance (OASDI). As such it doesn&#x27;t promise to invest the money paid in at all. 90% of it is just paygo. Money comes in from working stiffs. Money goes out to grandma so she can buy catfood. The remainder is &#x27;invested&#x27; in government securities.