I didn't say there is no compliance hurdles or the benefits are supposed to be easy to get.

I said that the author insinuates the woman is actively, even personally trying to stop him from getting the benefits, instead of following a rulebook. Which is quite surprising to me, as my experience tells me most employees don't care about saving money for their employers unless they're very strongly motivated to do so.

> She was counting on the friction of the physical world to make me give up.

They're motivated financially to do so. There's bonuses.