I hate to break it to you, but 2001, Citizen Kane and the Godfather are all great films, and if you don't like them or have to have them explained, then you probably aren't qualified to give an opinion in the first place, though you certainly have a right to your opinion in general.
It's a cliche to mention in some circles now, but The Matrix has to be amongst the very most overrated films of all time. It's not that borrowing or being derivative on their own are so terrible. It's that when you borrow from hundreds of easily recognizable sources, you ought to make something that elevates in some way other than mere spectacle. I'm not saying I don't like The Matrix or that it did not succeed as spectacle, but it falls far short of greatness and it falls far short in terms of meaning, compared to the potential it possessed.
For me, the final nail in the coffin was that after it foisted all this existential baggage onto Neo, made him into "The One," gave him these very lofty, spiritual paths to follow, and effectively lifted him up as humanity's savior, it then copped out with a free pass to kill any random passersby on the street he wanted, video game style, on the flimsy basis that because they don't know this is not reality, they will cling to it when challenged. So, the savior of mankind gets to kill victims indiscriminately because they are victims? Wow! What a message!
You know what movie The Matrix borrowed actual sets from, for its filming? Dark City: a much better film that came out the year before and also featured a lot of darkness, confused identities, guys in leather, and even a means of inserting "experience" directly into a person's consciousness (maybe The Matrix borrowed more than just the sets, yes?). In Dark City, the protagonist is also a potential savior to his people, who also can manipulate what passes for his reality. But unlike Neo, John Murdock actually has a range of emotions, cares about other people, and tries to figure out how to escape the darkness with the lowest possible body count, preferably all bad guys. And he never once utters a weed-induced "whoa."