I am afraid that is not even close to accurate. If you define "95% of problems" to be "reading and writing data such that data is read and written" sure, great.
However, there are two little, minor things that file systems care about: performance and safety. FFS/ext2 have neither of things.
Neither ext2 nor FFS contain a journal nor do the copy-on-write metadata. Heck, if you "upgrade" to ext3, you get the journal but nothing that protects you from bit-rot.
If you look at most drives on the market, you will see devices capable of corrupting data for certain after three years. Your journal'd filesystem does jack in this case, all it can do is ensure proper ordering of writes to metadata, no guarantees that the data will be any good once written.
How about performance? Well, if you look at FFS/ext2 they are essentially terrible. Block-at-a-time allocators with no extent configuration. Good luck getting the most out of your storage media when you have your block tree data-structure. Granted, ZFS suffers from the same issue but btrfs's extent tree configuration certainly does not. IIRC, the state of the art ext[23] implementations use read ahead to ameliorate the problem but does not fundamentally cure it. If you look at ext4, they have adopted extent trees via their Htree structure.
A filesystem like zfs/btrfs is pretty imune to bitrot, they can easily mirror their metadata and avoid overwriting their metadata like FFS/ext[234] making torn writes non-issues. They avoid the many pathologies that your "simpler" filesystem and trades the complexity for not needing a fsck mechanism in the face of data-corruption, one should only be needed in the face of implementation bugs (you should note that ZFS has no fsck, btrfs just recently obtained one).
Oh, and if any of you think soft updates work, they don't. While it would be great if they really did work but in a world where drives actively reorder writes and do not respect SCSI/SATA/misc transport commands to flush their internal caches, then you do not get safety. This set of drives is considerably huge.
tl;dr You are oversimplifying the complex.