In the current system the government essentially forces you to choose between overpaying, wasting a lot of time reading up on the arcane rules, wasting a lot of

In the current system the government essentially forces you to choose between overpaying, wasting a lot of time reading up on the arcane rules, wasting a lot of time and then overpaying (because the rules are never that easy), or ponying up $$$ to a private business just so that they can prepare the forms in a way the government finds acceptable. How is this any less of a conflict of interest?