People frequently write to me with an idea to change Social Security law in some way that they think is clever and unique. But I usually must tell them that their proposal has been considered in the past. After all, Social Security has been around for 80 years now, and for all of those eight decades, people have been coming up with plans that they think would improve the system. And lots of times, those plans don’t work out under closer scrutiny. Here’s an example of what I’m talking about. Q: I have been a stay-at-home mom and housewife for the past 40 years. Other than a few years when I worked before I got married, I’ve never paid into Social Security. So, I am due no benefits on my own record. I will only be due benefits on my husband’s record. I don’t think that’s fair. I should get …