It's not complicated per se - but it's adding layers that aren't necessary to the average guest. Plus you are going to have people that buy it for the wrong park, etc. and then they're going to have to stand in line at guest relations to fix it.
For me it's the continual degrading of thing that used to add value to a Disney stay, especially when you stayed on property (I think I calculated that a stay on property to get the same benefits you used to get for free in 2018 - FP, ME, and Magic Bands would cost the average family of four an extra $900 just for things that used to be free/baked into the resort cost already, and that doesn't include the years they charged for parking), AND the adding of extra steps/complexities that aren't necessary, such as park reservations and now this.
They took what used to be a fun vacation and turned it into a science project with G+, Park Reservations, 7AM G+ purchases, opening virtual queue drops, 2PM virtual queue drops, which resorts get what benefits for morning or after hours, etc. You used to literally land at MCO, get on a bus, and go straight to a park without thinking about ANYTHING else. Now, you gotta get your transportation arranged, take care of your bags, get your G+ figured out, have your park reservation, make sure you purchased your Magic Bands if you want them, etc. It's just taken what made them a vacation powerhouse into something that unless you're one of the people on this forums, you look at it and say "this really isn't worth the trouble."
I wrote a letter to guest relations about how this just adds another complexity to something that doesn't need to be this complex - I know it will do no good but it doesn't hurt and only took a few minutes of my time.
