Taking the general lesson to the specific application can take training. Not everyone will understand taxes just by reading. Look at how many adults now a days don’t understand tax brackets as a good example. Tax brackets are something that is fairly simple to explain and yet we have a good portion of adults who don’t understand them and will insist they get less money while getting a raise.
My first sentence isn’t bogus, you just happened to understand the general lessons and apply them to the specific application. Other people find that challenging.