No need to be stunned Richie, you just don't understand what you are being told.
Category 2 and category 3 approaches require "special" crew certification and "special" aircraft certification. In order for an airline to operate to the much lower limits that these categories allow for, both criteria must be applied.
In order to operate to Cat 3 limits which are often around 14ft decision height and 75 metres visibility ( as opposed to the normal non special category 1 limits of 200 ft decision height and 550metres visibility ) The aircraft has to have multiple systems working that might otherwise be allowed to be partially unserviceable. For example both caprtain and First officer have in front of them something called a mode status annunciator. It shows if the aircraft can complete a category 2 or category 3 approach. Ordinarilly it doesnt matter much whether one or both or indeed either are working, but for a category 2 or 3 approach the First officers must be serviceable. It is exactly the same as the Captains, but his can be unserviceable the first officers must be working. There are many other examples of equipment that must be working for a Cat 2 or Cat 3 approach that are not required for a Cat 1 approach.
Crew requirements involve additional training and simulator practice. There is also an experience requirement. a new F/O or Captain may not be able to operate to cat 2 or cat 3 limits until they have completed a requisite number of hours on type and a set number of practice autolands. In addition there is a requirement to maintain currency normally 3 actual or practice autolands in 6 months. If this isn't done the currency lapses.
As well as aircraft special requirements and crew special requirements there is also Airport special requirements. The airport must have a certified Cat 2 or cat 3 Instrument landing system. As well as this the airport must have special proceedures in force to protect the integrity of the cat 2 or cat 3 ILS signal. If any one of the special additional requirements are not serviceable then Cat 3 or Cat 2 may be out of the question.
I have tried to answer your question as simply as I can. There are many things required in addition to Cat 1 requirements that are needed to operate a cat 2 or cat 3 approach. it has nothing to do with people being incompetent or paying heed to experience or being taught an Instrument rating. Given your low level of experience this is not a simple subject to understand, but I hope this sums up what the other contributers have already stated and gives you a basic understanding of the concept.