Last I checked, they make policies. Policy = 100 % of Operation =/= Operational lapse. Policy making sets the framework. Culture furthers shapes it. The influence is marked but not total, because it is simply not logically do-able(reread teller analogy for understanding).

Operational lapse is caused by little farmers and grunts like me. The millions of average joes like me who are not bright and whom you expect the CEO to keep in line?

So why do you always blame people like me? When I am no different from you. Do I blame you when you or your colleagues screw up at work (everyone screws up, so please don't say you haven't ever)?