re: #80 DangerMan
you’d get my vote for that if you added, that a sweeping change like m4a cannot be done all at once. would probably take 10 years to phase in and in that time could be tinkered with or destroyed, like with the ACA.
the ACA was supposed to get everyone covered one way or another with a minimum standard of care, no exclusions, etc
after that it you can tackle doing it cheaper, more efficiently, or whatever
The simplest way to ease it in is to de-couple from Social Security and lower the age as the economy and political reality permits. There are probably better ways.