The entire economic system is a house of cards. As a former financial professional, I can assure you that most "advisors" cannot explain money, inflation or anything else that matters. Many financial advisors will never recommend bitcoin or real estate because they do not get a paid on it.
In the pursuit of job security, individuals sometimes inadvertently complicate their roles. Fear of redundancy or a desire to appear indispensable can lead to the introduction of unnecessary processes, convoluted systems, and redundant tasks. People might overcomplicate to create an illusion of indispensability.