It depends on system boundaries. If an actor doesn't face the consequences of a decision, but another does, that's an externality. When externalities are present, it is often rational (narrowly speaking) for an actor to accept designs that look awful from a broader perspective.

In other words, many technical problems flow rather predictably from decision-making boundaries that don't internalize the externalities.

Ever heard someone say "if you care about X, run for office"? The same applies to technology. If one cares about good designs, one must promote organizational and societal structures that actually have a fighting chance at bringing those about.

The days of nerds and hackers not caring about broader dynamics and structures are long gone. Sitting back and letting the business folks have control is fine if you want them to optimize for the existing incentives. But if you want to change the rules of the game, you gotta jump in at the deep end.