Not really.
GS-13 and above are fairly competent, but the issue is it's government and you will get some pushback from Political Appointees.
The long tail was probably added in order to prevent headlines of abuse like what happened with the PPP program.
The lossage would be minimal, but the headlines would be a massive headache, so they were most likely forced to add rigorous validation.
> who decides to prioritize this program in the first place? How does the WH administration decide to add a program to its agenda
Recommendations from advisors, staffers, career civil servants, and industry partners.