i think you're right. it has been going this way since the 1998 Act, and the recent Commissioners' decisions also head that way, despite the political talk of social justice. there is a huge inequality of arms, and the public are not only expected to pay for the scheme and its administration - which seems to largely consist in giving huge sums of public money to multinationals, but are also expected to underwrite its mistakes and poor performance. what's worse, the very poorest have to pay as individuals, for the mistakes of officials. it's very disproportionate. and if the state can't lose, it has very little incentive to get it right in the first place...
Injustice has a strange way of bouncing back on the perpetrators, that's all i can say at the present time...
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