This is already the case. Much of the adult condition consists of trying to prove one's case to bureaucracies: why you shouldn't have incurred that overdraft, w

This is already the case. Much of the adult condition consists of trying to prove one's case to bureaucracies: why you shouldn't have incurred that overdraft, why you shouldn't have been denied that insurance claim, why you think there's a mistake on your bill -- and merely getting a human on the phone isn't sufficient to resolve your issue. You should also come armed with ample documentation (which you may not even have) to support your case, and be prepared to set aside a chunk of time as you bounce from department to department. This is part of why money-poor and time-constrained people have such terrible outcomes: each mistake hurts more in proportion, they lack the funds to hire an expert (e.g. tax professional, lawyer), and they're constrained on time to deal with offices that are only open for less than a quarter of the week. There's a march towards more automation, more externally-opaque algorithms, and less humans to escalate to, but the core of the problem is quite old. Instead of a polite-if-flustered customer service representative telling you they don't know, you need to speak to someone else, you'll have to scrape the secret number from a 3-year-old reddit post or publicly shame them on Twitter to get answers, but the outcome's the same: the better-equipped and loudest voices win, while there's a bunch of others who get shafted with no recourse. Eventually, you quietly learn to keep thorough records, emergency savings, and eat the loss, because unless you can fight these sorts of issues in a higher forum where damages are an option, fighting them more than two roundtrips deep isn't worth your time.