That sounds to me like it would create a ton of redundancy, as different organizations reimplement nearly-identical policies.

And then it creates a ton of uncertainty. A different thread was already complaining about the uncertainty of whether children can inherit debts from their parents, which varies from state to state. Is it really a boon to have it vary county by county?

"Simpler" would generally be to centralize what can be centralized. Put all your eggs in one basket, and then make sure it's a really good basket. That's not always the best policy, but if you're looking for the simplest policy, it's usually Don't Repeat Yourself.