General Discussion

In a Ponzi, investors are unaware that the actual investment instrument is a fraud & that their early payouts are funded by lower layers of the pyramid.
Social Security has never pretended to be anything other than a pay-as-you-go program
Your investment analysis is also flawed. Here's why:
If everyone were to do exactly as you say, there'd be another $16-18 trillion chasing investments; every year.
This creates stock inflation until the institutional investors start a sell-off when the prices of EVERY exceeds value from market fundamentals.
Suddenly tens of trillions of value gets realized which causes a bubble collapse. Your proposed return is highly unlikely to come to fruition that were to occur.