If Citizen A chooses to work hard, sacrifice, save, and invest well on an average professional salary to end up with $1.5MM when he retires at 65 (he worked longer than he wanted to, just to be safe), then the government says that he's too "wealthy" to get any of the S.S. benefits that he's paid into for nearly 50 years, while Citizen B (who didn't save nor invest well, while spending more on expensive rent, travel, and vehicles) retires at 62 and gets full S.S. Benefits due to his lacking wealth and subsequently enjoys the same basic retirement lifestyle as Citizen A, how in the world is this fair?