It's not stupidity, though it could be evil. If America's government wanted to "fix" the system, they would. But the system seems to work well for the companies that use it, so is it broken?

Just because you don't like it doesn't mean it's "broken". It's just like how you have to use 3rd-party software to file your taxes and the IRS doesn't just pre-fill forms for you like in other countries. This isn't "broken": it's like this by design, because Intuit lobbied Congress to pass a law forbidding the IRS to make things easier for taxpayers.

Anyway, if your only reason to move to America was money, then it seems silly to complain about being mistreated as an immigrant. You're getting what you signed up for: more money, and with it, more headaches. If you wanted a better lifestyle and better government, you would have picked a different country. And being solely motivated by money seems to me to be a form of evil in itself (evil as in pure selfishness, not evil as in laughing at others suffering).