Nope. I built a calculator for that last year and ooooh boy. Now I pipe half the requests to a human because of all the possible mistakes a person can make. It's crazy complicated.

Finding that human is also hard because of the perverse incentives to sell more lucrative products.

That's my point, you need to be a specialist to understand it, but the specialists are incentivised to upsell you.

A simpler product would be better for consumers, but won't happen because there are industries (and a lot of lobbying) built up around keeping the money train rolling.

Not really. Some things are just complex.