I agree in theory that may work, but if you up the stakes or withhold payout to a certain segment you are punishing a certain segment of the population that did “educate” themselves (to borrow from Chef Jim.) I agree on the need for a safety net, but by far the vast majority of people that depend on SS as their sole source of income could have taken steps to mitigate that. That IMO is not a safety net but a buyout to people who couldn’t act like adults.