For me, the problem isn't that it's complex, but the fact that it's overly complicated deliberately. This system we're forced to participate in is designed to keep ordinary, working class people struggling for scraps of pay their whole lives, while disabled people are punished with poverty for not being exploitable for profit. In the meantime, the people at the top are living in multi-million dollar mansions that they paid entirely out of pocket, while they travel around the world in private jets.
Some people seem to enjoy participating in this crap. Good for them I guess, but I'm not one of them. I've never wanted to participate, and it's why I dreaded becoming an adult when I was a kid. Even back then, I knew I would have to be a stressed out, overworked wage slave for green scraps of paper when adulthood came. 31 years into living, and I hate it more than ever. I'm sick of this crap.