> The fact that the "learners" end up with £5m or more stuck in their bank accounts indicates that there is little or no incompetence, and frankly a gallon of b

> The fact that the "learners" end up with £5m or more stuck in their bank accounts indicates that there is little or no incompetence, and frankly a gallon of bad. I'm not sure it's possible to tell on a case by case basis. Certainly the incentives are not aligned, but I myself don't see the point of blaming individual actors for taking advantage when the system itself is broken. The better solution would be to align incentives (by legislation if the market won't) and you'll magically see people acting "morally" out of self interest.