My dad temporarily lost his SS in 2010 . . .they were like, "Oops, sorry, we accidentally paid you too much, so now we're gonna screw you over for the next several months till our losses are repaid." Spent weeks without electricity and had to get food from poor houses and pantries because of it. Living paycheck-to-paycheck only pays so much.
It's partly the Baby Boomers' fault for not better preparing us for the real world. We were taught nothing about taxes, the job market, managing budgets, or any of that stuff . . . plus, your generation were the ones who promised my generation we'd have steady employment in our chosen professions if we went to college and got our degrees, diplomas, Masters, Bachelors, whatevers in our field . . . and look at all the Millennials who did just that and are stuck flipping burgers, delivering pizzas, sitting in cubicles, and bagging groceries, because perspective employers keep saying, "Sorry, we want X-amount of years experience."