No. PMA is not insured. If it runs out of money that's it. Those receiving benefits will stop receiving them. If something like POD is underfunded it is insured by the provider and will continue paying until some agreement is reached.

Are you entitled to take PMA? Sure. But all the pilots saying "I paid in I'm entitled to my money" are now causing a 100% increase in fees. Without that increase PMA will default and cease to exist. So yes I believe it is scummy to take these benefits when you don't explicitly need to when there are pilots that may be in trouble that do need it.