On any discussion on financial matters, you will always see the arguments on Mutual Fund vs Direct Stock, be it at a lunch table or at a tea and/or sutta break. Neither side is wrong here, they both cater to the different set of people. It’s not easy to win the argument on any side.
In our daily life, we make so many simple transactions routinely which are very easy to understand, just think about it. We go to grocery store and buy grocery to consume, people who live Frugal Life they mostly know why they bought what they bought. We go to office canteen to have some food. We go to the fuel station to refill our vehicle fuel tank. Are these transactions not simple to make and simple to understand? I am sure they are.