Not really. You can find the same sort of gruesome inefficiency and bad UX in systems built by similar organizations that are supposed encourage, rather than di

Not really. You can find the same sort of gruesome inefficiency and bad UX in systems built by similar organizations that are supposed encourage, rather than discourage activity. The deeper problem here is a focus on internal business needs (and terminology) as the "customers", rather than end users. Heck, I've seen the same basic opaqueness and clumsy, jargon-laden UX on things as simple as credit card terminals. The only time you see really good UX for these things is in the startup (or post-startup, ie Amazon or Google) world, where UX for end users becomes a top-level requirement, and driving clicks is measured and actively improved.