Here's my contribution to the platform.
For every US citizen at birth, the government invests $10,000 in a Total US Market Index fund for them in a Roth IRA that does not vest until age 65. There is no access to the account for loans or early withdrawals. If you die before 65, it goes back in the pot. There are no beneficiaries for this fund. This will help offset the costs for those who can't enter the work force due to disabilities. At 7% annual growth, it would be $812,000 at age 65. With 3.5M births per year, it would cost $35B annually. The investment amount is adjusted annually for inflation. However, this is not a gift, it is the government fronting each individual $10,000 at birth. When an individual starts working, the first $10,000 they pay into social security pays back the fronted money before they start accruing social security contributions so the program mostly pays for itself. It does not replace social security.