The point here is that species already in the iNat dictionary need to be added to
the complex.
For example here is one of several recent additions of a complex
Complex Inocybe cincinnata · iNaturalist
and yet even the nominate species has not been added …
Inocybe cincinnata (Collared Fibrecap) · iNaturalist
Also, adding complexes where there is no published use, perhaps just ‘findings’ from sequencing projects, has the same dangers as adding unpublished names. It is a slippery slope to chaos.
There are also many examples of complexes where the members are in fact readily identifiable, even if only from range restrictions and/or ecology. Those are key factors that drive the emergence of complexes.