sorry BH you need to study some more, Social security is socialist program along with medicare, unemployment, workers comp, plus many many other things in your life including PUBLIC lands. It was Ron Reagan who first taped into the SS fund and also raise it's tax and the age for retirement. He also made the public recorded record in 1964 opposing medicare as a communist program. I do not think you even understand the FDIC and importance to everybody, nor the SEC which is just the people who watch for inside trading and people stealing your investments by different scams, Not to mention the dozens of programs that created a middle class of the 40's ,50's, and 60's and the stability. these are just facts that affect everyones lives, since 1980's they have been dismantling the new deals programs and their effects, which is why the middle class is disappearing, read about life before the Roosevelts, both Teddy and FDR, that is where we are heading. Congress makes the laws and appoints agencies to manage things very Constitutional and legal.