> But blaming the clinics doesn't work, because the actual problem was the government set things up so that the rise of clinics to exploit the rules was legal and inevitable.

Actually, blaming the clinics does does work, or at least is appropriate. They're the ones that are doing unnecessary work. Just because you can do something does not mean you should do it.

I person can cheat on their spouse, but should they? Was it the spouse's fault that they let the person go on a business trip/conference unaccompanied? The cheated-on spouse should have know better and set up a system to prevent it from happening.