I agree -- people shouldn't have to learn all of that. If the system were designed better, then there would be no need. Right now, it's open season on people wh

I agree -- people shouldn't have to learn all of that. If the system were designed better, then there would be no need. Right now, it's open season on people who don't understand how things work (and even on many people who do understand how things work). So the system needs fixing.