Yes quite right, I don't doubt it's the organizational behavioral paradigm at play, not necessarily an organized conspiracy. A key quality of an established bur

Yes quite right, I don't doubt it's the organizational behavioral paradigm at play, not necessarily an organized conspiracy. A key quality of an established bureaucracy is that it can arrange, design, deliver and entrench bad outcomes without being aware, certainly without actively conspiring. However, the personas that float to the top (or even the middle) of these things are pretty off-putting, and they're also aware regulators will be on them if they get too explicit, so I wouldn't like to place sustained, conscious, premediated decision making out of the realm of possibility.