I thought thees things were complex on purpose to make it hard for people to easily understand and compare so you have to speak to a sales person who can do the upselling
Nope. I built a calculator for that last year and ooooh boy. Now I pipe half the requests to a human because of all the possible mistakes a person can make. It's crazy complicated.
Finding that human is also hard because of the perverse incentives to sell more lucrative products.
That's my point, you need to be a specialist to understand it, but the specialists are incentivised to upsell you.
A simpler product would be better for consumers, but won't happen because there are industries (and a lot of lobbying) built up around keeping the money train rolling.
