Exaggerated a bit, yeah, in terms of - like anywhere else - most people just jump through the required hoops and it works. But I think it's fair to say we have more and more complicated hoops than normal or necessary.
Everything can be annoying though. Say owning a car. We have one DMV for the Avalon Peninsula. 270,000 people. It's located at the edge of Mount Pearl, not even in St. John's. You need to go there for your license and registration. But you also need private insurance. You can get caught in a Catch 22 with one wanting papers from the other and not willing to give you the papers you need to get them from the other. That's a mistake on their part. And then you need a parking pass from City Hall, a third stop, and they require your vehicle registration with your current address. It takes a couple days to sort out. Marty McFly has never been longer than 2 hours at the DMV. I've never been less than half a day. Oh, and the hours are 9-4, Mon-Fri, so you must take time off work.