Would say that isn't fair. Few if any understood what a Ponzi scheme it was and by sending out annual "statements" about their account, the big lie by the government made it seem like a savings account of sorts. My granddaddy knew how to raise pigs and grow cotton. If FDR told him he could pay in for his retirement, then so be it.
It has been the third rail of politics for a long time. No one wants to deal with it head on. Any politician who suggests something is instantaneously attacked by the other side. W actually had a good idea to phase it out and was blasted by Democrats.