'set up individual system where the money goes into that persons personal account. '
That doesn't work.
Any company in Nasdaq or DOW drops significantly and you have tens of thousands of people homeless, instantly. Anytime a stock drops, people can't buy their meds.
Every time the young kids on wall street crash one company to make a buck, you have little old ladies going broke.
Repubs have always said "just let everyone manage their own money" but in reality, unless you are really okay with old people dying in the street of hunger because suddenly the new Coke doesn't sell as well as Pepsi...
(another example of fair but inhumane and therefore will never happen.)
You dont have to put it in stocks.
