Perhaps you could do me a favor. Please ask your mom how she feels about not receiving social security benefits, despite not having paid into the program as required to by law in order to receive benefits. Also, I'm curious how she thinks her current situation would compare to moving back to her husband's former country (presumably where you grew up).
Well, my dad divorced her before they were married for precisely 10.0 years, so she gets precisely 0% of his SS benefits (he worked in the US for decades, he payed in plenty). I'd says that she is pretty mad about it, having talked to her. But that's just a "corner case" so you needn't worry about it.
Also, if she burglarizes your home to steal your valuables to meet her basic needs, your lecturing will be of no help. Your stuff will be gone.
Which was my entire point. She's a natural born US citizen, you can't deport her, she doesn't have any other passports. Her and people like her who fall through the cracks only create problems for everyone that has something to steal (people like us). It turns out that humans have evolved for millions of years to survive. They won't just lie down in the street and die, as much as you would like it. If it comes down to dying and stabbing you in the face, most of them will stab you in the face, because that's exactly what most of our evolution and history has been.
ETA - also, this entire thread was about the
future of retirement savings, what it should look like going forward, not the past. Was that not obvious to you, or do you just like to argue?