> I think the IRB process is backwards: researchers should determine whether their methodology is ethical (or within whatever other institutional regulations), and be tried only after a report is received, or an investigation is started
Err, I don't think that would work as well as you think. Plenty of studies fall into gray areas, especially in behavioral research, and it's not necessarily easy to reverse the damage once it's done.
The "Little Albert" study could very easily be argued as "ethical" or at least not harmful (almost certainly the behavior became extinct over time) by the researcher, but nonetheless the potential for lifelong harm is there and it would likely never be approved today.
Sometimes once you've done the damage, it's done. Research institutions would rather be safe than sorry with studies involving people, both for basic ethical considerations and reputation interests. Especially after the spat of very questionable studies done in the latter half of the 20th century.