The further the decision-makers are away from those affected by their decision, the greater the opportunities for corruption and the lesser the fear of detection.

Insurance commissions are populated by insurance executives.
Utility commissions are populated by utility executives.
Essentially ALL regulatory commissions are populated mainly by persons who have made a career of working in the industry that they supposedly regulate. That is the old "fox guarding the henhouse" cliché.

Please note: I am NOT saying that you are wrong about big government being corrupt, but big business is just as corrupt.

The best way to reduce political corruption is to ban all campaign contributions. Note: I said "reduce", not "eliminate".

The best way to reduce business corruption is to forbid any person formerly employed in the regulated industry from serving on any regulatory body for that industry.

David F Mayer