Things designed by people without skin in the game tend to grow in complication (before their final collapse).
There is absolutely no benefit for someone in such a position to propose something simple:
when you are rewarded for perception, not results, you need to show sophistication.
Anyone who has submitted a “scholarly” paper to a journal knows that you usually raise the odds of acceptance by making it more complicated than necessary.
Further, there are side effects for problems that grow nonlinearly with such branching-out complications.
Worse: Non-skin-in-the-game people don’t get simplicity.
from 'Skin in the Game' by by Nassim Nicholas Taleb
https://www.amazon.com/dp/B077QY23RV