Life is very complicated these days especially so for those who live in highly developed cultures. We cope with its complexity with the help of our computers but much of the complexity is driven by computers and by businesses who decide that complexity is a source of additional profit. The banks have a number of accounts and a person opening or changing an account is faced with a plethora of choice. If you need to use gas or electricity there are hundreds of different accounts you can choose. If you want to buy food there is a huge amount of apparent choice when you shop.
These are fundamental things that we need and although getting them is simple in itself getting them at prices which are fair and reasonable is quite a task. Having made your decision you must revisit it frequently as rates change, good deals become bad deals and new deals become available. Keeping up with changes to these basic requirements is a full time task in itself and most people allow the desire for a less complicated life to take precedence over paying a fair rate. As a result we all get cheated in dozens of small ways every week. Do not worry about it; that is how life is these days. Businesses use choice as a marketing device. Complexity is now a profit centre; the complexity of a deal is a source of profit for the seller.