https://www.zerohedge.com/geopolitical/race-bottom-accelerates
"When competence, transparency and accountability are all punished, the Race to the Bottom accelerates. The worst are advanced, and the race to strip value, quality and quantity out of products and services becomes a free-for-all stripmining that favors the ruthlessly greedy."
Fits with what is going on in Fiserv but many other places as well.