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While I would rather have a million dollar T-Bond than the meager return of the SS system, I would much rather be able to invest my retirement money in other ways to get a much larger return like (SP-500 Funds, Global Stock Funds, Small Cap Funds, Real Estate Holding Companies etc...). Unless the government is going to loan us the T-Bond money interest free to be paid off sometime in our lifetime, then the return on them may be higher. If we had personal accounts, folks could still buy T-Bills if they desire.
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