Well, it has never been a disaster and is not now.
It is a very efficient sysem. Hardly anything goes into administration.
"for those who could not save adequately" very naive, things happen in life that are beyond your control, SS is an insurance policy for society that enables people to subsist if they should find themselves in unfortunate circumstances.
Congress does pay into SS. see
http://www.sscommonsense.org/page30.html
A safety net from general funds would probably be like a sine curve. Now that would be a disaster.