Yes, I agree. People do not have the time to learn all of the nuances of all of these complicated government policies. It is not that any of them are hard to un

Yes, I agree. People do not have the time to learn all of the nuances of all of these complicated government policies. It is not that any of them are hard to understand, it is that no one has the bandwidth to worry about one more thing in their life. There is a reason most people pay hundreds if not thousands of dollars for someone else to do their taxes for them.