The system is completely broken and founded on future investors paying current retirees benefits. There is a term for that, just on the tip of my tongue.
It's called a benefit.
In regards to SSA, it's also a problem that will resolve itself. Previous estimates were that when the SSA Trust Fund ran out that benefits would drop to 83% of what they currently are. I suspect it will be lower, probably in the low 70s due to the current administration doing everything they can to kill the economy, and layoffs caused by AI.
The main problem is the Boomer generation reaching retirement age and it's much larger than succeeding generations. It could be a rough 20 years, but once the large generation dies off the system will return to normal. (assuming the economy doesn't collapse entirely due to national debt)
The biggest threat to SSA is not it's ability to pay benefits. It's all the ways people are intentionally trying to kill it. Such as the idea of privatizing it. If you want private funding for retirement, you can, and should, already being doing it through 401k and IRAs. Something you might want to think about, SSA benefits were not affected by the 2008 stock market crash. Can you say the same about private retirements accounts? And since healthcare is a leading cost in America, contribute as much as you can to an HSA if you have access to one. The average benefit paid by SSA is $2000/mo. Out of that you are going to pay a minimum of 10% on $8000 of it in Federal Income tax. And $2400/yr for Medicare premiums. So figure average monthly income of $1700. Is that the retirement you want? SSA is a safety net, not a salary replacement.
Something else that would help the public understand it would be to stop reporting SS payments as part of the Federal Budget. It is NOT part of the budget, it is paid through payroll deductions that are earmarked for SSA. Those funds can either go to paying benefits, administration, or the trust fund. The federal budget is much smaller than reported and isn't reduced by SSA retirement payments. The two largest expenditures are military and interest on debt.
BTW, to the OP, there are no 'investors' in Social Security. It's a funded program. Just like the taxes you pay on gasoline that are earmarked for highways. You are NOT an investor in the Interstate Highway System either. If Congress chose to do so, they could shut down the SSA and Medicare, and retire the FICA tax structure at any time, and nobody would be owed anything. Assuming they never wanted to get elected again and OK with 70m starving Seniors who own guns.