Basically in Polish (and other Slavic languages) you take several concepts that are separate fixed words / grammar orders in English, and you meld them together with prefixes and postfixes to form a super-word that contains all information:
(I/you/he/she/it/we/you/they) x (future/now/past) x (surely/maybe) x (finished/unfished) x (statement/question) x ...
"she would have played" -> "zagrałaby"
"would you play?" (fem.) -> "zagrałabyś?"
"he would have played" -> "zagrałby"
"she has been playing" -> "grała"
"she played" -> "zagrała"
Indeed if you come from a simple language like English, it must be a mindfuck.
OTOH, regarding the past and whether something was happening regularly or not, there's some similar concept in Spanish that I never mastered. And all the "subjunctive" in French/Spanish... Languages are hard. Part of why English got so popular is that on grammar level it's really simpler than most other languages.