The Social Security Fund is in serious trouble. New "out of the box" thinking is needed. Therefore, I propose a law be passed so that when a new baby is born in this country to legal citizens a $1000 retirement account is created for that newborn.
The monies of all newborns will be put into a fund that is used for mortgages and business start ups which have been judged of good standing.
The theory is that at retirement age the original account has grown to hundreds of thousands of dollars. No monies can be withdrawn other than for purchasing a new home.
This new baby is not allowed to petition the government for any retirement assistance ever henceforth.