Well, there's such a thing as overly simple as well as too complicated. We all feel other Christians err in one direction or another in this way. We can't expect all Christians to perfectly agree in their way of understanding these things - I have seen and heard of a whole lot of sincere Christians reasoning with each other on this subject and unable to agree - at least not immediately. Each person must do their best, prayerfully,
We live in a time when the USA is increasingly turning away from God - and this should be a matter of great concern and regular prayer - for Christians.