But there's also an element where this isn't due to system failure, but rather design. Companies want to make their processes bureaucratic so that you won't cos

But there's also an element where this isn't due to system failure, but rather design. Companies want to make their processes bureaucratic so that you won't cost them money in support and so you won't cancel your subscription - making the process painful is the point. Likewise in government - it isn't that government can't be efficient, it's that there are people and organizations who want it to be encumbered so that they can prove their political point that government is inept. One side wants to create funding for a program, the other side puts in place a ton of controls to make spending the money for the program challenging so they can make sure that the money isn't wasted - which costs more money and we get more bureaucracy.