I came to the US fresh out of university, and went to graduate school. Consequently, I was mostly oblivious to the details of 'real life', like taxes, bills and repairs.
Working my way into the system, it all seemed that it couldn't possibly work: too many people with no discernible talent were earning too much, and prices were lower than I thought they should be, particularly fuel prices. I thought the problem was that I wasn't intelligent enough, and just didn't understand.
The one personal satisfaction that I can get from the current mess is that I was right - it doesn't make sense.