I think simplistic was meant to imply that it wasn't really a solution, just good enough for you.
That said, you can say the same case for your matrix: if there's a simple solution to a complex problem that actually solves it, is it really a complex problem?
Sure. "Complex" problems are problems with many facets/moving parts (I recommend watching the Rich Hickey talk "Simple Made Easy"). These problems can in some cases have simple (as in, few facets/moving parts) solutions, although those solutions may not be easy to implement.