I've filed my own taxes for years and have a complicated set up; real estate, stocks, rsus, espps, private shares, amt, etc ... It's extremely straightforward and takes less time than using turbotax if you've done it before. The instructions are obvious.

You can also call the IRS and be told for free what the rules are. People pay h&r block and Intuit when the irs is extremely responsive and will connect you with an actual American irs rep to answer your questions.

People pay for the software because they've been marketed to not because they need it. For the situations that are actually hard, then a software like TurboTax is useless.

Also if you get the numbers wrong the IRS just corrects it