eg: medical insurance is overcomplicated.

eg: personal credit report is not so bad but still overcomplicated

eg: US personal income tax and US medical billing systems are too complicated for most people. That’s why there are fulltime professionals to help folks understand and navigate the artificial complexities.

The poor can’t afford any of these professional help, so they lose out and become poorer.

Therefore, this is a knowledge gap between the rich and poor.

counter eg: usReits are more complex than sReits, not artificially, but due to free-wheeling regulations, giving rise to many variations on the “theme” i.e. the REIT business model.

— eg: trespass and bathtub lawsuit experiences .. I had to ask in legal forums, collect evidence, find out consequences,

Legal systems are complicated in most countries (Singapore is slightly simpler) but in the U.S. there are way too many lawsuits involving ordinary people. I think many immigrants like me are inexperienced and scared of the complexities + consequences.

We are “covid-naive” in a country full of covid hazards.