We Still Don't Understand Social Security, and a New Survey Confirms It

I certainly understand Social Security which was initiated by FDR my friend CW5 Jack Cardwell
1. Workers contribute to it throughout their working life [FICA taxes]. The collected funds are disbursed for current obligations each year.
2. If you are indigent your social security disbursement will not be taxable. If like most you have other sources of income your social security will be taxable income, at least in part.
3. If you begin drawing at the minimum age and work you will receive notification from Social Security about the limits of your earned income. If you exceed that amount the entire social security payment will be owed as tax. Once you turn 66 you can work without income limitations [generally]
4. Peridocially Congress does a misdirect like chicken little - they are the ones responsible for the oversight of the program and they claim that it will insolvent in year 20xx.
5. Those of us who live long enough can collect social security from age 62.x onwards. When we die 50% of our monthly disbursement can go to our spouse [replacing theirs if they draw less]. If the spouse draws more social security than we do then our disbursement ends.
6. the government owns social security and it cannot be bequeathed through Trust or will.

FYI COL Mikel J. Burroughs LTC Stephen C. LTC (Join to see) Lt Col John (Jack) Christensen Lt Col Charlie Brown Maj Bill Smith, Ph.D. Maj William W. "Bill" Price Maj Marty Hogan SCPO Morris Ramsey SSG John Ross SGT Mark Halmrast Sgt Randy Wilber Sgt John H. SGT Gregory Lawritson CPL Dave Hoover SPC Margaret Higgins SrA Christopher Wright Cpl Gabriel F. Cpl Scott McCarroll

How can we, there's so many loopholes, and levels of receiving it.

I understand basic Social Security. What I don't understand are all the provisions that allow people to draw benefits before reaching full retirement age.