if you want to pull numbers out of thin air and pretend they are somehow more real than the actual social security program then go right ahead. but your mythical minimum wage earner who can afford to invest $48/month and retire a millionaire -- whether they pay into SS or not -- is no more realistic an investment option than that same person spending $5/month on the lottery. and they will get an even bigger payout than your $1.2 million pretend exercise when/if they finally win. you have still proven nothing but i am not going to get into a circular argument with someone who can't produce anything more solid than "it works because i say so"
"That's the trouble with political jokes in this country... they get elected!" -- Dave Lippman