The answer to your question is Time.
I know it's not the answer your looking for. But there it is.
If they didn’t borrow from ss in the past and let it accumulate in its own account for baby boomer times like these. Then the account would have had plenty of cash.
It was cash strong in the past and they spent the extra of saving it.
Take a walk, talk to people, smile at the sunset, rise.
Live
Edit: go back to WOW Classic like I did.