re: If social security is doing so great why do we now need myRA?

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The money to pay their benefits comes mostly from current workers paying into the system.

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Nope. As a retirement (OASI) program SS has long run a surplus. The trust fund ratio held "in trust" has roughly grown from 25% to 400% between 1985 and 2008. In fact the federal government "owes" social security trust fund roughly $2.7 trillion from money it's "borrowed" from those funds. Now... currenlty , the "trust fund" is in negative cash flow ($77B) until 2018 (projected) due to the lagging economy. Through 2019, however... the interest earned from the "government" covers the shortfall.

LINK

You're claim will not be correct until 2033 when the "trust fund" will start eating into principle balances to cover current expenses. That is the beginning of the end of SS.

Now if you intended to say that many receive more than they pay in, because a few pay in far more they will ever get... you may have a point. That situation projects to get far worse over the short and long terms.

Bottom line, if you are capable of making even a slightly above salary, you're going to pay more than you get now and into the future.

And most of all, if you can invest with even modest success the opportunity cost of SS is... enormous.