Adding complexity is just one aspect. Everywhere there is someone whose job is to ensure the bottom line never changes and status quo for the powerful is preserved. Insurance, taxes, rents.. in the absence of effective regulation, the average number of successful appeals will simply get factored in and average costs go up so that profit stays the same and grows at the same rate as before. Similar to how chains factor in losses due to spoilage or theft.. of course they don't actually take a profit loss, they just price it in.

I really don't get people who see this kind of thing as empowering because in the end your (now strictly necessary) appeal with lawyers or AI to get a more fair deal just becomes a new tax on your time/money; you are worse off than before. A good capitalist will notice these dynamics, and invest in AI once it's as required for life as healthcare is, and then work on driving up the costs of AI. Big win for someone but not the downtrodden.

Exactly. The elites hire experts to do it for them, while everybody else has to deal with the complex rules themselves.

It's like auditting tax returns of the rich - of course they didn't cheat, they already lobbied for the loopholes making their shenanigans legal.