I'm by no means advocating a YOLO approach of no requirements, but there's definitely unnecessary bloat in the requirements. Just looking at the incentives, the people who make the rules benefit financially from making those rules as arduous and all-encompassing as they can get away with, and in order to become a rule maker you have to be fully in the system, so it's a positive feedback loop. The same mechanism can be seen with licensing rules on haircutters and stylists.