It's not like anyone was given a choice about this system... well some President somewhere did suggest changes but many at FR seemed to have other priorities at the time and didn't bother hammering Congress over THAT issue. Snooze you lose, I guess.
That's my whole point--once it's forced in place, the attitude is "Well, I would have voted it down when it came up, BUT since it's HERE now, I want my share!"
Which is precisely what the proponents of Nanny Government want.