You're making a false comparison. The majority of UK residents don't need to file a tax return. The correct tax/national insurance/student loan deductions are

You're making a false comparison. The majority of UK residents don't need to file a tax return. The correct tax/national insurance/student loan deductions are withheld from their paycheques, and in case of problems, a phone call will normally sort them out. Some people need to file returns. (Those that don't need to can also choose to.) Those people that do can file on paper, though the Government website, or using third party software. There's around 30 listed software providers for personal tax. The fact most people have never seen a tax return in their lives hasn't prevented competition for tools in the more complex cases.