You forgot Keita, who's probably superior to anyone we have. Fabinho was an absolute beast for Liverpool for the last 3 months or so.
No one is saying that a midfield of Can, Benta, Pjanic, Fagiot, and Ramsey isn't good, but it simply isn't good enough.
If you want to win the CL, you do need a bit of luck, but you also need to put yourself in the best position possible. The aforementioned midfield doesn't do that for us.