[gnicholas]

I'm not suggesting malice at all! An economist would even call it 'efficiency'.

It's also possible this is a hybrid — that the process grew in complexity for exogenous reasons, and when someone considered streamlining it, they realized that doing so would result in more reimbursements processed (specifically for more well-off employees) and decided to leave it be.

[bumby]

I ran into this with a safety reporting system that required a hand-mailed complaint to company HQ. When we inquired as to the possibility of updating to an online system, one primary reason was that they did not want it too easy to report safety issues because then they would be obligated to process the higher volume of complaints. They felt this bureaucracy made their side more efficient (but I would argue less effective).