There is something here that I do not understand.
That much is clear. It is why your questions appear to be presenting an
XY Problem. Instead of asking about what you actually want to accomplish (determine the amount of bitcoins controlled by a wallet), your lack of understanding has led you to believe you can figure that part out if you can just accomplish this other thing (inspect a wallet). So, you ask about this "other thing" and then are confused when it doesn't lead to the solution you want.
A wallet to me is something that contains money or other valuables.
Fixed that for you. Some physical wallets *might* contain *some* money, but they generally hold valuables (credit cards, Identification, Business cards, etc). The valuable thing that is held in a bitcoin wallet are
PRIVATE KEYS. Private keys give you the ability to create transactions on the blockchain, so they are very important and very valuable.
A bitcoin wallet sounds to me to contain bitcoins.
Not true.
Why does it seem so complicated to figure out how much there is in my wallet??
Because there isn't a "how much" in your wallet. There is a set of private keys. Those keys may or may not have the ability to add transactions to the bitcoin blockchain. The ony way to know for certain is to compare the private keys from the wallet against ALL of the transactions that already exist in in the blockchain. As you find blockchain transactions that offer your private keys control over value you can keep trak of that value to sum up the total amount of value you can control.
Somebody smart must have written a "wallet inspector"??
Each wallet software has it's own format for storing private keys. There isn't much need for separate special software to read a file when the wallet software that created the file is perfectly good at reading it already. That being said, there are some tools for
some of the more popular wallets (such as pywallet for Bitcoin Core wallet files).