One overlooked point in the debate over personal accounts for Social Security is that average workers can manage their money better than the federal government, according to this opinion piece. The stock market has fallen over the past few years, but nonstock investing was profitable and mortgage rates fell. The stock market is still the best way to generate wealth in the long term, and putting part or all of the payroll tax into private savings vehicles will generate private-sector growth and better returns than the current Social Security setup, the commentary says.