Following my muse has worked out pretty well so far. I can't see any reason to change the formula now.
I agree that we must expand opportunities for retirement saving, but we must not undermine this worthy effort with a flawed privatization scheme that takes the 'security' out of Social Security.
I think it could be the biggest information problem that we face. 'If somebody is abroad and they even mention the name of an American citizen, bang, off goes the tap, and no more information is collected.