Which is more cost-effective, social security or business?

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This can't be compared directly, it's different in nature.

Social security is the principle of social justice, not the principle of individual justice, so there is no question of whether individuals are cost-effective.

Commercial insurance is the principle of personal fairness, but because the insurance base of a single type of insurance is much smaller than social security, the payment is relatively high.

Under normal circumstances, social security is the mainstay, supplemented by commercial insurance. Simply using social security is not enough, because social security is just a basic insurance, not a package. It is more expensive to use commercial insurance alone.