It's a prisoner's dilemma situation. Most people think it's BS, but the incentive to push back on it individually is almost nonexistent (because of the big down

It's a prisoner's dilemma situation. Most people think it's BS, but the incentive to push back on it individually is almost nonexistent (because of the big downside) and so collectively we reach a shitty local minimum that could be overcome if everybody acted together.