It's the incentives, or more accurately it's the fact that we can't change incentives because when that conversation starts, a hundred people come out of the walls and say, "But changing the incentives will make it worse!", "Don't you see this edge case that someone will exploit?", and "You can't complain about fixing the incentives unless you have an air-tight plan that has no flaws!"

It demoralizes everyone until we all just give up and continue to blame the incentives. The incentives will continue until the incentive to change grow stronger than not changing and for the folks with the opinions above, the incentive to change will have to grow very large indeed.