Hey!, that sounds mildly conservative
I'm teasing rough of course... that's the attitude that most people have about it.
But when you boil it down, what you're saying here isn't too much unlike some of the arguments against universal healthcare.
"Hey, did everything right and exercised and ate healthy and as a result, I don't need to go to the doctor that much, why should be taxed more in order to "gift" money to a program for people who didn't make the same good decisions I did".
That's why I said people are going to need to start thinking differently about it.
Sorta like how I pay quite a bit of taxes in order to have publicly funded special needs schools and nursing homes, but I don't have mindset of "I should be able to take one of those wheelchairs home with me, I paid for it"
For just about any other program, it's sort of "understood" that "I'm paying into it, but may not get a lot of it back". I've literally never been on welfare or needed snap, I've never been unemployed... yet, we understand that it's money that I've paid in and not going to get any of it back. But people think about the social security program very differently.
Some of it could be simply because it's one of the few social benefit programs for which it's its own line item on your pay stub and you can see that amount all by itself (whereas "federal withholding" and "state withholding" is more like a vague black box you money into)