It really is that simple and a clear reading of Scripture will bear that out.
You're right, it's that simple, but when people read the Scripture is when the "catch" begins. That "catch" is the way that we interpret those words. I think most get it right, and understand it clearly, but others do not, and think their view is right, and everyone else's is wrong.
Just look at the way the Bible is interpreted, with people handling snakes, drinking poison, and such, all because it's mentioned. I'm no expert, and don't claim to be one, but the fact is that perhaps no book ever written can be as confusing as the Bible is to some, yet as clear as it is to others. It may all depend on just what one is looking for.
