Social Security turned 80 on Friday. Many people are partying. I’m not. The system is a financial train wreck and a user nightmare. It’s also incredibly outdated, sexist, and unfair across and within generations.

It does force us, via our FICA contributions, to save and purchase longevity, disability, and survivor insurance. And, yes, we need to be forced, because far too many of us are failing to save and insure adequately on our own. But that doesn’t mean that Social Security should be maintained in its current form through the end of time. On the contrary, the current system should be retired and replaced.