Even those in “upper management” are cogs.

Everybody responds to incentives. Not everyone is competent. And, the higher you go the less accountability there seems to be.

We pay a lot because we need these people who are capable of making tough decisions (copying everyone else by overhiring at a premium during low interest rates), they can't be kept accountable for their own mistakes like the rest of us (fired myopically as a sacrificial lamb during a down-market because investors demand executives copy everyone else (they're invested in everyone else))