What is こと doing here?

I came across a video with this being said
“日本人はファックの意味をしっかり理解してないことが多いので気軽に言ってくることが多いので驚かないでほしい”

I may be having a brain fart but isn’t こと referring to people in both sections of the sentence or is it nominalizing the verbs?
Thanks!

4 comments
  1. The first こと is “Japanese people not fully understanding what f*ck means” and the second is “saying it lightly”.

  2. Both mean something like “the case/situation of,” so (1) the case that Japanese people don’t fully understand and (2) the case that they casually/freely say it. Hope that helps!

  3. ことが多い, as an idiomatic expression, means something like “there are many instances where ~”

  4. I don’t think こと can refer to people. There’s one usage of it when stating your pseudonym followed by your real name but it’s irrelevant here.

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