That would be fine if someone trained to the lower level would "kick the job upstairs" when they come across a situation outside their experience. But without

That would be fine if someone trained to the lower level would "kick the job upstairs" when they come across a situation outside their experience. But without much experience it's hard to know when you're out of your depth, and nearly everyone has the same attitude: "how hard can it be? I'll just go ahead." The regulations are there at the behest of the insurance industry, after much costly, hard-learned history. Many people lost their lives, in fires mainly. I'd call that ruined.