I can only chalk it up to a combination of misaligned incentives, cost cutting, and legacy technology. These vary with locality but wear the same veneer. Some a

I can only chalk it up to a combination of misaligned incentives, cost cutting, and legacy technology. These vary with locality but wear the same veneer. Some aspects are surprisingly seamless. Some are seamless but hidden behind unnecessary complexity. Some are just downright archaic. It's like a tired beast that exists because its heart won't quit.