The Social Security system in the United States is designed to provide financial support to retired or disabled individuals, their spouses, and their children. It is primarily funded by payroll taxes paid by current workers, and the benefits paid out are based on the worker's earnings history.

The Social Security system itself does not necessarily inspire investors to be riskier. However, it can have an impact on retirement planning and investment decisions. Because Social Security benefits are based on a worker's earnings history, individuals may adjust their investment strategies based on their projected Social Security benefits.

For example, someone who expects to receive a significant amount of Social Security benefits may feel more comfortable investing in riskier assets, such as stocks, because they have a guaranteed source of income in retirement. On the other hand, someone who expects to receive minimal Social Security benefits may be more conservative in their investment strategy, opting for safer assets such as bonds.

Overall, the impact of Social Security on investment decisions can vary depending on an individual's financial situation and retirement goals. While it may not directly inspire investors to be riskier, it can be a factor that individuals consider when making investment decisions.