People do NOT seem to realize you were NOT meant to live off Social Security. Social Security was INTENDED to be 1/3 of your retirement. People were SUPPOSED to also save for their retirement (1/3) and finally the government EXPECTED that employers would give retirement benefit (1/3). UNFORTUNATELY, MOST do NOT save for retirement AND many employers no longer give retirement benefits.
Social Security was also passed during a time when the average person died before they even became eligible for it.
Yes, Social Security was never meant to be the only form of financial security for retirees, but it has become that for millions of people now that major corporations no longer provide pensions and 401k's rise and fall with the stock market, which millions of people found out in 2008-09.
Many people don't save what they need to for retirement because they can't save what they need to for retirement. The average American hasn't received a raise in decades. Sure, they may have made more money per year, but the cost of living has far outpaced any extra money they have made.
It's not as simple as blaming the victim. Life is far more complicated than that.