> What has followed is people coming out of the woodwork to explain how this may have been reflected in the system since the system was written in COBOL

There’s zero evidence these “people coming out of the woodwork” have any idea what they are actually talking about. No evidence they have ever worked for SSA or have any insider info on how its systems work. It appears these “people coming out of the woodwork” are just random nobodies speculating in public (likely incorrectly), and people are repeating their speculation because they like how it sounds and they don’t know enough about the topic to realise that it probably isn’t true