Sure, but the thrust of the thread here is to refute the blanket assertion that nobody wants these things to exist or actively chooses to create the conditions

Sure, but the thrust of the thread here is to refute the blanket assertion that nobody wants these things to exist or actively chooses to create the conditions in which they exist. As you say, not all problems are the result of perverse incentives, but there are enough that are that we should be careful not to over-generalize. And it's not just nitpicking, because this has consequences for the OP; it's one thing to change a system that exists unintentionally, and quite another thing to change a system that exists intentionally.