OTOH, they long ago eliminated all other interest expenses as deductions so now everyone uses a H/E line, and takes deducts the interest. The rules on what H/E interest is deductible is very clesar, and I'd estimatethat 90% of people are violating the law..
I agree, it is way too complicated for average Americans which is why the tax code needs to be simplified so that the form is no bigger than a post card.