I think your retirement is your responsibility. Social Security is part of the picture, but only part. If you are not saving and planning your retirement, you are wrong.
I think health care should be paid for by the consumer, with health insurance covering devastating injuries or illnesses over a certain amount. Health insurance costs a fortune because some regulator somewhere decided it should cover everything, while insurance companies have every incentive in the world to try and find ways to deny coverage when it is really needed. That is largely why this cockamamie Medicare for All proposal gets any traction whatsoever. Never mind that it costs over $3 Trillion dollars annually and would double the federal budget.
I think that Social Security and Medicare need reform in order to remain solvent. And the best way to do so is to eliminate the ceiling for payroll taxes and look very hard at both Medicare and Social Security Disability Insurance fraud, which are both rampant.

Government officials hate talking about these things, because they are thorny issues that get refomers vilified.

They could do more on the Social Security.

Fortunately for me, collecting 100% Disability and sbout $2k/month SS with no mortgage/local tax to pay, I don't even think about it,