Ah yes, you are right,
@rvallee.
I have thought this through before, but forgot - the silo effect.
Group A and Group B save money, Group C and D make money, Groups E, F, G, H and so on lose lots of money.
It likely costs more, the way things are structured now, by abusing and ignoring the millions with ME.
In our society, industry and commerce come first, and the taxpayer can foot the bill for things like industry's failings in safety, health care, and human decency.
The phrase and attitude "It's just business", used to explain away gross cruelty, greed, and complete disregard for humanity and the rest of the world, is ruining our world.