You never stop and think that maybe other people can have a different opinion than you.

Of course they can have a different opinion, that's what makes the world interesting. BUT, they can't have different mathematics, just like the law of gravity affects all of us equally, the laws of mathematics also affect us all equally.

Only 10% file at 70, yet it's the other 90% that are out of step.?

Not that they're "out of step", just that they're "making bad choices". Heck, if we want to remain "in step", we should all go out and buy vehicles that are way bigger than we really require. And if we want to remain "in step", we should stop saving for retirement and only save a minimal amount, and instead spend almost all of what we earn each month. That is indeed "in step" with the 90% of folks out there.

Nothing is guaranteed in life. My next door neighbor was just killed in a head-on collision 2 weeks ago. (I have no idea of when or if he was getting SS.)

It's true that nothing is guaranteed in life. It's also true that the probability of being killed in a head-on collision shortly after retirement is extremely low. Planning your life around extremely low probabilities is again what we call "making bad choices".

Maybe you need to open your eyes better. Since 90% of people claiming SS see differently.

Is that what all the lemmings said while running the last few meters before the cliff? That the 90% ahead of them "see differently"?