KIRKLAND, Wash. -- Why don't more Americans buy long term care insurance? Decision paralysis. This is the conclusion of a study commissioned by the AARP Public Policy Institute. People throw up their hands and do nothing when faced with complexity that confounds even the experts: myriad policy choices from dozens of carriers that use different terms and definitions; regulations that vary from state to state; and price quotes that map poorly to benefit amounts, waiting periods, deductibles, duration of benefits, possible rate hikes, and inflation protection.