I do in fact work in a bank and know a person who works on DigID. I wouldn't say incompetency is the word, but there is something ... special about the people and their skills here.
I get what you mean. I worked for a private bank in NL for a bit. Everyone has something special, but we all had a common factor of being in bureaucracy hell. Not that its unexpected when you work at a bank, of course.
I surprisingly don't see any bureaucratic hell and I'm always a bit confused what people even mean when they say that. If anything, I feel the least bureaucratic pressure compared to previous 15+ years. But maybe that's me being a bit special.