Comment by gregw2

Perhaps I can help... when Hanlon's Razor doesn't explain the malice/stupidity in play, you can always try the extending it with the following:

Hubbard's corollary to Hanlon's Razor: "Never attribute to malice or stupidity that which can be explained by moderately rational individuals following incentives in a complex system". (https://en.m.wikipedia.org/wiki/Hanlon's_razor#Other_variati...

Or HN Nerdponx's simplification: "When money is at stake, never attribute to incompetence what could be attributed to greed." (https://news.ycombinator.com/item?id=41066724)