Yeah. I'm nitpicking. Since "simplistic" already means so simple that it denotes a lack of understanding of the issue, the use of "too" is, well, too much.
But your overall point - which is the main thing - is a good one.
As for the thread topic, well, this is definitely not my area of expertise. I just know I don't like credit card debt. And the Packers definitely seemed constrained last year and this year, thanks to Guter "running it back" a couple years ago.