Let's cut to the chase! The Dems want Social Security to stay the same because they want as many people dependent on government as possible! If you have a bunch of people dependent on the government for their livelihood whether it is SS or welfare, they are going to vote for the Dems. The dems want to expand programs. They want more and more dependent people.
You certainly would not vote republican if you thought they would cut programs.
Private accounts are owned by the people. Even the working poor. If everyone has a direct investment in the country's economy, they are going to vote for the people who want the best for business.
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