I once spent nine months in what seemed like a losing battle with AT&T for them to correctly account for two checks I wrote that they credited to my old phone number rather than my new phone number. I had to write a letter to my state's Public Service Commission before I could get the attention of AT&T's executive office and get their collections department off of my back.
The inefficiencies are what make the system A)navigable, and B) work.
When you have humans trying to run something that no human can fully mentally represent without significant investment in external memory aids, you have a recipe for disaster, because one bad move by a large actor propagates far better than the same move by a smaller actor.
Real life analogy:
Your kid trips.<-Less severe
YOU TRIP.<-More severe
