It's a thing, and it's a problem, and it's a plague upon our society. Overthinking, that is, the obvious. Why do we do this? Is it because we're afraid of the unknown, or is it because we're just plain bored? Or maybe it's because we're secretly agents of chaos, sowing discord in the fields of productivity?
Philosophy might have some answers, but probably not.
Psychology might have some theories, but probably not.
Or maybe we should just Just Dumb It?