not exactly what you're asking, but banks and insurance companies are the majority of what I call "the beaurocracy of money". they don't produce anything of value, and are basically just a sinkhole for labour.
if it "excused" it, we'd say "oh, okay, on that case that's fair. no further action needed"
what this does is explain it. and with the insight offered by this explanation, we can say, "oh, yes, I can see how this could have come about. now I know what to look for/do to prevent similar tragedies in future"
I feel like we need some sort of legal protection for circumstances like this. no objective analysis of these people's behaviour would agree that they're acting rationally, and probably can't even be considered to be in their right minds. should we risk individuals so afflicted being able to determine the direction an entire country takes? do they pass out voting forms at mental institutions?