The complexity is the point. The less people willing or able to jump through all the necessary hoops to receive their healthcare through the system, the less money they have to pay out. Adding more complexity in the form of yet another opaque approval system adds many more hoops to get through, which is actually the entire point. Deloitte knew this going in.

Yes, I have sympathy for the individuals who have to build this system, however I have absolutely zero sympathy for the company that put it into practice.

Yes, the medicare system is needlessly complex, however Deloitte decided to replace manpower with cheaper automation which had the side effect of saving them work by increasing rejections.

The world also happens to be complex. Enough so that both things can be true.