>the cap has regularly been exceeded and this is annually for decades.
The cap is 85k, which is never exceeded, as that is a statutory limit. There are other cap exempt categories for non-profits and universities.
>That brings us to
It doesn't bring us to any of these conclusions. The vehicle for the change you seek is the legislature. Lobby Congress to change the law. You have a house rep and 2 state senators. Talk to them about your concerns.