Deb - the rules are actually some of the most clearly defined pieces of government language I've ever read. Some things have been amended, but they've remained fairly constant since July 29th. And I have to say that for the short amount of time the NHTSA has had to put this together they've actually done a fairly decent job.
It is purely American to lash out against the government (that's what made us America in the first place), but our government doesn't do everything wrong. Yes, the CARS Program has been hell for all of us. The fact that only a few have seen a dime is disheartening. But this is all the cost of doing business under the program. If you can't stomach the costs, then don't do the program - it is really that simple.