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And often, that's the idea, that privatizing what was originally something with some social oversight into something that can be abused. One glaring example for me is that the NSA is mostly contractors now.

Privatization is an unintended side effect of increasing government transparency (FOIA).

Just like the combo of increased roll call votes [1] and public disclosure commissions inadvertently increased the power of lobbyists, by allowing them to verify bought politicians stayed bought.

[1] vs voice votes, show of hands, other secret ballots

In that case, the citizenry voted their opinions on how the government should run the CFPB for 4 years.

That's a bit of a stretch. But at least the citizenry is able to do so.