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That's not the way it works. The more you pay in to ssi, the more you get when you retire. So the football player would get more ssi at 62 paying on 150k of his income.

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So what exactly then is your problem with the contribution/benefit rate?

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We would not have a problem keeping ssi afloat, if the surplus had not been used to pay down the deficit and the ceiling on ssi taxes had increased with inflation.

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This is your problem, and it is totally separate from the issue of setting contribution and benefit rates.

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The MAJOR problem is: Congress is having to come up with a way of dealing with the fact that they will no longer have 300+ billion in ssi surpluses to pay the deficit, while at the same time, having to come up with billions every year to pay back the 3 trillion ssi surplus.

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Changing the contribution rate so that it exceeds the benefit cost is the only way to eliminate a funding shortfall.