Hey tell me what you think about my way of fixing social security?

[Sageandscholar]

There are numerous holes in this.
Who lends the money (at no interest?). However you do this would increase the demand for money and so have an impact on interest rates and inflation.
Similarly everyone having 2-4 million will be inflationairy itself.
Who determines which stocks are bought? What if they chose Enron?
Why should someone who dies and has paid off a large proportion of thier loan not be allowed to pass this on?
What about people that work/live part of thier life outside of the USA? How do you enforce the loan payments from them?
If someone dead will pay my loan for me why would I want to work.

Apart from the loan what you propose is similar to many countries solutions. Rather than a central social security fund they approve certain funds to look after mandatory retirement accounts. These are funded by a mandated proportion of the individual's wages (whether paid by the employer or the individual) and by voluntary payments. Similar rules apply regarding the time it can be withdrawn.