End Social Security Trust Fund 'loans' to our Federal Government - invest Assets (no T-Bills) to benefit recipients.

Social Security funding is insecure ONLY BECAUSE our Federal Government 'loans' itself the assets of the Social Security Trust. It issues IOUs and T-Bill promises to pay it all back.
INSTEAD, the monies should be invested like the $Trillions in State Pension systems. States pay for their pension benefits mainly from INVESTMENT RETURNS, and NOT the payroll taxes paid by employees and employers. Social Security does the opposite: it uses mainly payroll taxes to fund benefits. Adding in more payroll taxes OR cutting benefits will not fix this: it is ONLY by using the power of INVESTMENT RETURNS in broad markets (not just Wall Street), that can make Social Security solvent.
State pensions are TWICE what Social Security pays in benefits, using LESS payroll taxes, and at earlier ages!