It's greedy business owners who burn down their property for the insurance, not the public servants
And there are people in certain government agencies who are actually extremely intelligent in areas of economics, finance, tax law, etc. - they just don't have the same priorities as the corporate management in the private sector, and the rules and regulations they impose can be a pain in the ass. I once knew a high ranking manager in one branch of the IRS who was brillant - not reasonable at times in the eyes of the business leaders who had to deal with him, but he was an extremely intelligent man. Knew every detail of the IRC and regulations, a lot better than most of the high-paid corporate attorneys out there...
