I keep going back and forth on whether all the bad policy is purposeful destruction (Cloward-Piven) or gross incompetence.  
 
 
I have personally witnessed the gross incompetence piece for 40 years at the Fed-Gov and they have it down to a science.  I’m talking it’s an Olympic level performance that surpasses anything you can possibly imagine.  So incompetence definitely plays a huge role in what we are seeing, however even if you were making your decisions with a coin toss you’d be correct at least once in a while.
Honestly I think it’s both.  I believe it’s the intersection between the stupid and the malevolent.