It seems clear to me that if you are listing multiple items in a sentence, a comma should separate every item in the list.
Alternatively, we could use the semi-colon for lists. This is what I do sometimes at work, especially when the items in the list may contain commas.
Why the arbitrary restriction on bulleted lists? Situations like this seem ideally suited for a simple list.
Exactly. Laws are generally drafted as lists of clauses anyway.
Any time you have categories that themselves include more than one item, an Oxford comma is really helpful.
As another point, for me the Oxford comma makes reading generally easier because it's clear where a list ends. If I see ", and" then I know what follows is the last item without having to read ahead and figure out if there's more to come.