If you have a surface level understanding of a problem and don't understand the proposed solution, then the best path forward is to dig a little deeper and understand the problem better, or just move on with your life and accept that you can't know everything about every field.

Deciding that your surface level understanding of the problem coupled with some general concepts (ie money is often a driving factor), is enough to make a confident pronouncement on the issue is exactly self-inflicted thought suppression.