Nevertheless, in reality, I'm against allowing individuals to invest their social security funds at their own discretion. Why? Because there are far too many people who would, metaphorically, take me up on my leisure suit suggestion and the government (this applies to all parties) hasn't the backbone to tell these people that they were just too stupid for their own good and they're clean out of luck. When people have completely cleaned themselves out and they go to the government, our little friends in Washington will then come to those of us who had the foresight to save and invest wisely and tax our wisdom so we're all clean out of luck.
Bottom line: stupidity is the strongest trump card of all in matters of governance.