> The goal, in the name of the company bottom dollar, is to make it as inconvenient as possible for me to use an employer offered benefit. A truly mundane and recurrent example, unfortunately, as I try to navigate U.S. health insurance.

Never attribute to malice that which can be adequately explained by incompetence [and misaligned incentives].

Designing a good experience and flow for a piece of software is hard. You have to work for it not to be bad rather than work to make it bad.