Not every industry tries to create such an opaque payment structure. Industries that do that sort of thing tend to suffer in aggregate because you get a 'bad m

Not every industry tries to create such an opaque payment structure. Industries that do that sort of thing tend to suffer in aggregate because you get a 'bad money drives out the good' effect, similar to used cars. The same thing happened in finance (nobody touches the CDO market now - it would have disappeared entirely were it not for government life support).