I'm not complaining, it's just a barrier. I support regulation of things like this and am aware of ADP and Gusto. I am also glad that Uber and Lyft drivers will be compensated as employees if they are treated like employees.
But it's a mental leap to move from "just need to find enough clients to pay my bills" to "need to make sure the paperwork is right so I can pay someone to help me out".
I don't personally find it intimidating, but I've also done it before.
There are dozens of other major competing payroll services providers.
Why do people on HN expect others to learn PC or Internet security but themselves throw in the towel trying to learn relatively simple tasks?