I was browsing the zoning ordinances for where I live the other day. They’re 430 pages long. Do I need to worry about all 430 pages? No, most of the document is there to deal with the 10% of the population that are general trouble markers and will do anything they can to abuse the system unless every little detail is codified. Hence the need for big legal documents.
Any beeks ever do their own taxes? Do you read all 10,000 pages (don’t know the actual count these days) of the IRS rules, or is there just a subset of the rules that apply to you?
Ever look at the technical owners manual for your car? 1000s of pages long; how to rebuild your engine, trans, trouble shooting OBD 2 codes, etc. Modern life is complicated and if you want to cover all the bases for everybody, documents get big.
What happened the last time the Republicans try to simplify lending rules? A dog probably could have gotten a 30 year mortgage during the Bush years. Did that lack of rules end up being good for the economy? Did the 10%ers abuse the system? Did the tax payers have to bail out the banks?