Nearly half of Americans have their own stock plans in place and are now looking to provide for their own retirement but this may not be enough. Bush's plan will actually place responsibility on individuals to provide a significant portion of their own retirement. It is one thing for the government to provide a safety net for those in need, it is another for a government to essentially take over all aspect of care for its citizen. There are things better left to those who can and should provide for themselves.

The present system is moving toward collapse and to pretend otherwise is putting one's head in the sand. As the Wall Street Journal editorial wrote, "The programs could still be funded, sure, but there would be almost no money left in the federal budget for anything else. Faster economic growth along the way can help, but it will also not solve this problem by itself. Because of the way benefits are currently determined, as growth pushes up wages and payroll tax revenue, it also increases the benefits that Social Security has promised to pay."

If current trends continue, young workers will find more and more of their income shifted to their parents while their own future will be left in shambles. Those refuse to do anything are condemning future generations to possible economic collapse.

The moral case for social security reform can be capsulated in the following:

·The government will be more honest on the nature of the Trust fund that actually exists.
·And the average American will be encourage to provide for their own retirement while helping to provide for retirees today. Any reform will continue to provide a safety net for those retirees of tomorrow.

Honesty and accountability is what Social Security reform is about.