I'm not sure why the Collegian would be so against personal Social Security accounts ("Social Security issues will not be solved by individual investments," Feb. 7).

This is a change in policy that would mostly benefit young workers.

No, it won't solve any problems. The way I look at the current social security policy as a plain savings account, barely earning interest. Private accounts are more like money market accounts, with higher interest and more risk.

I know that market swings scare some people, but no one would be forcing you to privatize your retirement.

It would be an option. Secondly, retirement is a long-term investment. Over what 10 or 20-year period has the market made a net loss? I see privatization as a way to wean us off of the greatest pyramid scheme in U.S. history, and move us into an age of mandated responsibility.