Whitehall,

While I have found Normal Accidents descriptive I respect that your experiences are different. I have also found that while increased regulation can mean more complex regulation, it need not be. Simple but flexible is better than complex and technical.

Regarding the zero-sum game, would that it were true. Unfortunately we may have a negative-sum game in which value is destroyed as confidence ebbs. There are game theory situations in which the incentives push towards lose-lose.