Most corporations end up building systems that spread responsibility and make it very difficult for anyone to believe they can say no to things they disagree with. How many decisions are supposed to be made by groups where nobody can claim actual responsibility? Commitments that are supposedly made by a team, but where it's clear to the team they have to say yes? People get very nervous, and reviews tend to suffer, when you just ask for dodgy work orders in writing. Remembered the whole idea of the Toyota model, where everyone can theoretically stop the line? We often build systems that guarantee the opposite.
Regulating decision making in companies, however, as to make sure people have to look at their own personal risk when bad things are on the line is going to get a lot of pushback, precisely because that's very inconvenient. But without something like this, the Wells Fargo situation is the natural outcome that will keep repeating.
Regulating decision making in companies, however, as to make sure people have to look at their own personal risk when bad things are on the line is going to get a lot of pushback, precisely because that's very inconvenient. But without something like this, the Wells Fargo situation is the natural outcome that will keep repeating.