There is necessary complexity and un-necessary complexity. Often the modern world seems to be layering on un-necessary complexity and frequently this is not to the individual's benefit. Consider for one, picking health insurance. It should be easy to line up 5 or 6 plans, compare them on coverage and price. However, it is against the insurance companies interest to compete directly. Much better to make it so complex that the average consumer can't compare realistically products. (Doubly so since we don't know what is covered until the doctor asks.) The government could make it easier on consumers by clearly defining coverage levels and allowing companies to compete on price.