"Ninety percent of everything is crap."

"Never attribute to malice what can be adequately explained by stupidity."

People tend to make rules that reflect the kind of environment that is typical for them. Federal government is large, bureaucratic, etc. It's no surprise that rules coming out of it implicitly assume that everyone works in a similar environment.

Another contributing problem is that people need to justify their paycheck. Writing more rules is how politicians look productive.

I don't know what the solution is. But assuming malice rather than trying to understand the problem space in more neutral terms is not a constructive path forward.