I'm pretty confident we could overcome the 50 state hurdle, we do after all do it pretty much all the time, but whether we should, and how hard that hurdle would be to leap, depends on what one thinks SS is or should be, a savings account or low-risk low-yield investment, or an insurance program, or both. If it's the former it doesn't matter who runs it, fed, state, or private anymore than it matters if you have a bank account in Kentucky and now live in Florida, you just transfer the funds... or leave them there, doesn't matter and isn't hard either way. If it's insurance, then that's trickier but people need to remember that insurance is a system in which one on average pays in more than you payout, and accept that you won't see $3 return on $1 investment but rather $0.8 return on $1. And people need to decide which one they want, but it doesn't have to be all-in, we can do both, and people pick which, or we can let them do both in whatever ratio they want. Sliding into a tangent there but the savings/invest option doesn't really matter who does it, the insurance one kinda does but still isn't a huge hurdle and that one is one where 50 heads vs 1 could yield us dividends, so to speak, since it is actually possible to decrease costs of services that almost everyone uses by bulk purchase.