Where did the 15% come from? Employees only pay 6.2% in to social security and double that if they are self-employed.
As for whether I would opt out, I have to say no, even though I am 30 some odd years away from retirement. And the reasons are not so that I can have the benefits.
It wouldn't happen immediately, but somewhere in the future (assuming we stopped paying social security) the Social Security Trust Fund would run out of money. What would happen to everyone who currently depends of that money?
I don't mind paying in so that those people who need the money get the money.
Though I don't plan on it being around when I retire.
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