[SupremumLimit]

I like considering _why_ the government is like that. I would suggest that the suspicion, disdain (evident in your comment) and outright hatred of government (particularly from sections of the political and capitalist classes, particularly in the US) are all large drivers of the extreme risk aversion and resulting inefficiency of government agencies that develops over time.

That is, there is nothing inherent about it beyond the inevitable inefficiency of all large organisations, the government was shaped to be like that by external pressures.

Viewed in that light, your favourable assessment of mafia rule is even more obviously a false alternative.