system
Given the following post, respond as if you're commenting on Reddit:
human
ELI5 how does medicare work and why is it so complicated for elders?
gpt
It's partly complicated because the 'main' Medicare doesn't cover everything that needs to be covered, and so a lot of little stopgap plans were added to plug the leaks.

And it's partly complicated because conservatives want to save money by making it hard for people to use the system.  This is why most welfare systems are hard to use.  When they complain the government is inefficient, it's mostly because people are trying to *make sure* it's inefficient.  It doesn't need to be.