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I feel like "the lawyers told us to do something stupid for no legitimate reason" is just one part of a bureaucracy trying to blame another part for the fact that the bureaucracy itself is doing something stupid for no legitimate reason.
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While you’re correct there’s also no ambiguity about who has the final say in that scenario. The lawyers always win out.
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This is objectively not true because there are companies, even banks, where this level of stupidity has not prevailed. In turn this implies that the others are doing something which is different but possible, and the scoundrel companies could be doing that too.

Even if the something is no more than engaging less fatuous attorneys.

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> there are companies, even banks, where this level of stupidity has not prevailed

Yes, because that particular set of lawyers haven’t said it has to be blocked. Doesn’t mean my statement that lawyers have final say is “objectively not true”.

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> This is objectively not true because there are companies, even banks, where this level of stupidity has not prevailed.

All it takes for this to happen is the lawyers not knowing.

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