The complexities are in there for a reason and they put these "packages" together to make people have to get more, or not be adequately covered. It's the same with payTV packages for another example...just enough to make people need more.
And the terms and conditions? Yep, you'd need a lawyer to work that shit out like you allude to.
It's shit. Here's a product but there is a list of ways it DOESN'T work!
That's society these days.