A competitive market would enable me to sort by salary and benefits and apply for the best job. However companies don't want to compete on salary, and potentialy drive them up - they want maximum leverage. They get more leverage if process is obscure, so that you only agree salary late in the process and for the applicant, pulling out is risky. The market is not really free - its being manipulated by one side. Simila…
What has taken place is that the mass of people who were "consumers" have become "users", and are replaceable and disposable; while the employees have been downgraded to associates.
It's not just the feeling of outrage you get when you're trying to establish, with a person, where $1000 someone sent you disappeared to for a month. It's the anti-human system underpinning the idea that we should build an algorithm to keep people on hold longer, the more pissed off they sound about an unwarranted charge.
There are a lot of points at which business logic taken to its fullest fruition turns out not to be good business. We tend to hope the market will rebel against the excesses of companies that treat users as interchangeable parts. But the reality is we (coders) are contributing to the de-humanization of the majority of humanity, in many of these small interactions and small-change money collecting circumstances. That's our job. But at some point we should be able to see the circle closing around us; we're exempt because we can hack our way through the thicket of junk it takes to get our identity back if it's stolen, a new job if our startup shuts down; we are constantly re-inventing ourselves and innovating.
But we are not our users. We wouldn't even want our users to be us.
The point as I take it, of this, is that screwing your employees is treating them as users; and treating users the way we have, for a long time, is also self-defeating and bad for society.