[Washington Times] The debate over Social Security reform is growing more contentious with each passing day. Critics decry personal accounts as destroying the legacy of FDR's New Deal. Yet, FDR might well favor the proposed shift from social insurance to ownership programs if he were alive today. After all, he hated means-tested welfare (then called "relief") and supported Social Security and unemployment insurance partly because they would eventually allow welfare programs to wither away. Today, might ownership programs play a similar evolutionary role by lessening the need for social insurance?