That's not the way ponzi schemes work.If it truly is "our money that we paid into" then why not offer a cash out of the amount plus interest or even better yet you get a statement of account balance and you get to decide how much you want to withdraw each month when you reach 65. As well as when you pass away, the un used amount in the account gets passed onto your closest next of kin, IE wife, husband and children.
If it truly was our money.