I agree with your basic intuition. There are some transactions where you can see it's complicated. There are multiple currencies and different countries involved, and it's not trivial. There are some transactions, like buying something at the farmers' market, that make you ask, “Why should this be that complicated?”
I really support the committee spending time just thinking about this and trying to figure out ways to simplify it and make it cheaper for Canadians, because I think there are real opportunities. I agree with the thrust of your question.