Two points.
1) They’ve been working on this for over 3 years now and it’s a complete mess.
2) The vast majority of people have absolutely no concept on the enormity and extraordinary complexity of the system they are trying to complete. Honestly, I doubt such a system has ever been created on this scale, and I question whether it can actually be done short of the next decade.
You mean the Obamacare software is more complex than ESPN Fantasy Sports?