bacon,
You have everything almost exactly backwards.

"The monies should be for the payer's own future retirement and not immediate transfers to strangers' current retirement. "
That's what happens now. The money collected is reserved for the payer's own future retirement. It's just a ledger entry. The money itself is fungible. It doesn't matter where it is used. None of it actually exists as a physical thing.

"Let the citizens of each State keep their tax money for their own State's use."
With regard to local expenditures for things like roads and infrastructure, perhaps. But healthcare and social security should be national programs without local involvement.

Time for us to grow up and become an actual country instead of pretending to be a union of independent countries.
Universal healthcare with rational federal standards and universal social security at rational levels for all is what is required.

Federal laws and standards should ALWAYS take precedence over state laws and standards.
Otherwise, we don't have a country.

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