Picking out two balls from the same bag without replacement are not independent events. You can select a red one first with probability 4/11 and then a blue ones from the rest with probability 7/10 or a blue first with probability 7/11 and then a red one with probability 4/10, so the total probability is indeed 2*28/110.
The events in your problem are independent. That game is not played between Meghan and John alone as in this case the winner would determine the user so the probability that John wins and Meghan loses would be the same as the probability that John wins alone. That game can be something played by a lot of people many times. It can be, for example, writing a test successfully or failing it. The probability that John passes the tests is 4/5 and the probability that Meghan passes them is 9/11, and it is a new test now and one asks the probability that Meghan passes it and John fails. These events are totally independent, they are honest, do not look at each others tests...
ehild