That's fine reasoning if it's a tax, Ron, but as Don has pointed out, it's insurance. Insurance premiums aren't figured out that way. Since it's insurance, the premium is relative to the risk and the payoff.

Whether you are poor or wealthy throughout life, if you need Social Security at retirement, you don't get more just because you paid more. With insurance you would.

With insurance, if you are insuring an expensive car, or antiques, or even disability for a well-paying job, you pay more than if you are insuring a jalopy, eat off crates, and barely make ends meet.

It's a pretty high price to pay to insist that it's insurance, but, as Thurston J Howell III used to say, "Say, lovey".