Sure, for anything to even exist there must be a certain level of complexity. I am not saying all the complexity is unnecessary, I am saying that it is OVER com

Sure, for anything to even exist there must be a certain level of complexity. I am not saying all the complexity is unnecessary, I am saying that it is OVER complex. You also break complexity down into two different concepts which I agree probably exists but we don't have an axiomatic theory of the complexity of finance so there's really no way for anyone to say definitively what is reducible and what is irreducible. For example, Which is irreducible... communism or capitalism? None of this is properly defined. But the OP's claim of necessarily complex is completely wrong. The spectrum of under complexity and over complexity spans an entire gradient similar to a number line. While Necessarily complexity sits on a single zero dimensional point on that number line. Referencing this number line, By probability Overly complex and underly complex is infinitely more likely than necessarily complex. Literally GE is using complexity of their accounting statements to hide fraud. That is a case of over complexity in the world of finance. That is not a necessity. You cannot get more definitive than this. That's why I was able to use such hard language because it's literally completely true.