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I wouldn't call them 'incompetent';
they're as adept at obfuscating their schemes as the bankers (noted elsewhere, above). The craft of ripping off constituents relies in large part on misdirecting the victims' attention to cynically-managed 'social hot-button' issues such as gay marraige and abortion. Like their bedfellows in banking, U.S. legislators keep the rules complicated and ever-changing--while directing constituents' attention elsewhere; this displays their competence at long-term deception of populations (rather than INcompetence at the public 'service' for which they campaigned).