[graf_von_anonym]

You've got to remember that inconvenience around the provision of a service that, though expensive and useful, is ultimately a luxury is more important than anything else. One could argue that complaining about complications around something complicated is a displacement or even avoidance activity for those for whom the rigours of real life are too taxing, but one would be doing so here so a certain measure of irony would be involved, neh?

As for what the adviser said, if you went back to the old contract you'd enter a new one. If you didn't go ahead with the new one the you'd be back to where you started.