UX matters.
A poorly designed UI sets folks up for massive debts:
'My entire year's wages': Mum's $47k debt for Working for Families https://www.rnz.co.nz/news/business/539458/my-entire-year-s-wages-mum-s-47k-debt-for-working-for-families
This seems to have been a checkbox when a clear, must select one of:
Would have solved the whole thing.
Also the fault of doing social welfare at IRD to save the blushes of the middle class who wouldn't dare to deal with WINZ...
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