As long as I get every dime I paid in back in full with interest in one large sum, fine....

I didn't see any smiley, but my first thought was "You ARE joking, aren't you?"

The reality is that the system is unsustainable and that it is going broke. 100% of nothing is still nothing.

I paid tens of thousands of dollars into the system and I fear that, even though I am almost 60 years old, I will not receive any of the benefits that I paid for. If the system is broke, it's broke. It has no money left to pay me and there is nothing I can do about it.