From, Queen Elizabeth II, of all people.

She visited the London School of Economics (LSE):

Prof Garicano [director of research at the LSE’s management department] said afterwards: “The Queen asked me: ‘If these things were so large, how come everyone missed them? Why did nobody notice it’?”

When Garicano explained that at “every stage, someone was relying on somebody else and everyone thought they were doing the right thing”, she commented: “Awful.”

You see, this is not rocket science.

The only reason that it seems complex is because the people who are trying to fix it, were the ones who caused it in the first place, and they are obfuscating to cover their collective asses.