Sorry, not buying the “We wrote that complicated law with the BEST intentions to protect the little guy, it’s just one of those ‘things’” argument.
I’m sorry you lack the understanding. It’s not “just one of those things”.
It’s a whole lot of things, built over years, made by politicians, lawyers and regulators.
I’m not saying it’s the way things SHOULD be. I’m explaining to you the reality of the situation.