That's my point, you need to be a specialist to understand it, but the specialists are incentivised to upsell you. A simpler product would be better for consum

That's my point, you need to be a specialist to understand it, but the specialists are incentivised to upsell you. A simpler product would be better for consumers, but won't happen because there are industries (and a lot of lobbying) built up around keeping the money train rolling.