Welcome to 2018

> Riiiiight, because the solution to everything is bureaucrats making decisions with no accountability.

I didn't say that. "No accountability" is bad whoever the decision maker is. In fact, the idea is to place the accountability on the head of the person responsible for the problem in the first place – and somebody needs to pass the laws that effect this.

Feel free to suggest a better way than democracy, flawed as it is, to accomplish that. The forces of the market obviously don't work, mostly because the buyers are not affected by the sellers' bad decisions.