I assume a huge quantity of TurboTax users are in the simplest scenarios. As others have said, once there's any level of complexity, there's likely an accountan

I assume a huge quantity of TurboTax users are in the simplest scenarios. As others have said, once there's any level of complexity, there's likely an accountant involved anyway. I don't think this is much at all a technical problem. I suspect most people use TT because it's convenient--it files for you, they'll even pay themselves from your refund. And TT knows well this is a huge user base, as you'll see them hide away little features like education credits into the premium version. I agree though that state taxes are part of the moat here, let alone municipal. In the few states I have experience though, state taxes are vastly simpler than federal. Still it'd be great to see some kind of centralized digital infrastructure that states could all normalize around instead of each building their janky web portals.