[throwawaygh]

> Organizations are allowed to be incompetent.

Only up to a point, though. Restaurants can be shut down when they have too many health violations. Private medical practices can be sued into the ground. There are lots of types of incompetence in finance that can get you shut down / sued out of existence.

> The real problem is they have buy in from other industries with major decision making abilities and the government has provided us no protections from them.

Which is why I'm being vocal, where possible, about how incompetent these organizations have become.