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Notes -
Not all complexity is irreducible. In fact, most of it isn't.
Take, for example, the government program of HSA's (Health Savings Accounts). These are meant to help people save for medical expenses. But, since they have an annoying amount of complexity and paperwork, they are essentially impossible for stupid people to use. Smart people, on the other hand, use them for a completely different purpose entirely: to accumulate tax free wealth.
None of this had to exist. What if, instead of coming up with HSAs, the government simply... didn't.
Stupid people get benefits from just about every governmental system that has been erected. And you are harping on one of the few that doesn't help them because they can't "this one trick" it? HSAs solve a problem caused by the government, that being health insurance mandates. Smart people use them to minimize the DWL caused by them.
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