I always feel like I sound like a libertarian when I say this but no that's literally YOUR money. The fact that I worked for a little over 4 years having social security deducted from my pay check, something that is not optional, and then when I became disabled and went to the SSA and said "Hi I'm disabled now, can I have that money I gave you to watch specifically so if something happened to me I could take care of myself back so I can take care of myself?" and then they go "haha NO" is unreal. That should not be allowed. It's my fucking money, they took it from me by force under the logic that it was to be kept safe until I became unable to work, either due to age or disability, and then when you actually need it they go "sike, fuck you" and there's basically nothing you can do about it. The government took our money, used it for whatever, and is now trying to cover their asses by making a big fuss about fraud and how expensive it is and isn't it better to just let old and disabled people die? After all they're such a drain on the resources we fucked up managing, honestly fuck you for even expecting to be taken care of when you're sick or in your old age.
(Also this isn't to say that people who have never worked should be left out to dry, you don't have to deserve to be taken care of or work a specific amount to be worthy of not ending up starving and unhoused when you can't work, and the amount I paid in over the course of four years of primarily minimum wage just-under-part-time employment would never be able to take care of me for the rest of my life given that I'm only turning 30 this year and will hopefully live for another 60 at least, but as OP says if the gov had been smart and invested the money they could make bank and have plenty to take care of every single person in this country who needs it forever. But they didn't. And then they act like we're the problem.)