"ANOTHER thing that really sucks about SS as it is now - think of all the people who paid in for decades and died in their 30s, 40, 50,s and early 60s [so they never collected a dime of it] and the govt keeps all that money as if it was theirs."
Social Security is not a retirement plan. It's an insurance policy set up so that elderly and infirmed don't die of starvation and exposure like they did during the Great Depression. The money paid in isn't meant to "go to family members" if you die before you collect. It's there to see to it we don't have old people dying in the streets.
If you're really upset that not everyone gets to collect their Social Security benefits, then I'm sure your heart bleeds for all of the people from other countries who work in the US for years, then go back to their countries of origin and never see a dime of the money they paid in to Social Security -- money that goes to lifelong Americans.