This is the only part of your response that doesn't quite sit right with me. There could be many "highly scrutinized and bureaucratic functions" out there that are working very well, you just don't notice because they work so well. There could be a selection-effect here.
Quality is a big deal for me[1]. But I think you're defining "quality" too narrowly in this context. "Quality" could also mean "allows everyone, at scale, reliably, to do what they need to do." The US Tax Filing system (and its associated software) meets that goal.
[1] https://philipotoole.com/always-thinking-of-the-next-guy/