It is a fallacy to think it is enough to know how to research stuff. In order to ask helpful questions --- in order to think --- you need facts that you know already. Additionally, you have to train your brain, similar to a muscle in order to use it effectively. E.g. a novice in chess would represent some of the figure on the field in his head at one point in time. Every figure would fill one "slot" of his working memory, whereas a more advanced player might represent certain configurations of figures and their positions in one slot. Even more advanced players might hold trees of possible futures of the current field in one slot. In order to acquire that ability, you have to train your brain and fill it with some knowledge, be it personal experience or theoretical knowledge. Being allowed to Google during a Chess championship won't cut it.
And unless you are reading the original legal texts passed by parliament or filing the lawsuit yourself, someone is 'spoonfeeding' you
Secondly, I can't read a health insurance policy and fully understand all of it's implications, and I doubt you can either unless you have some spesific traiing in the matter
