Earlier quoted context omitted.
Seems like you're listing highly regulated industries not human interaction.
These industries, more or less, need to be highly regulated because we've faced the alternative and it's worse. The quality of education went up SIGNFICANTLY when the state took more control over it.
There is a strong tendency to recognize "market failure" as a problem -- but it is rather rare to see people discuss "regulatory failure". Yet there is this endless cycle of increasing regulation, where a politician or bureaucrat identifies a problem with the market -- real or imagined -- and then offers a solution. That solution the situation even worse, but politicians and bureaucrats will blame this on "market failure", and then insist on another solution ... and so it goes.
Yes, it's true that some regulation is necessary. But how much effort is put into place to make sure that the regulations put in place do what they are supposed to do? What effort is put into place to identify the nasty side effects of otherwise good regulations? The assumption that all regulations exist because the alternative is worse is deeply flawed.
And that's even before we get into the fact that regulations have their limits: people can handle only so many rules, particularly if they are onerous, and will start ignoring regulations when it's the only way to get things done. An example of this is a report from the FAA, where they identified around 2,000 pilots who didn't report disqualifying health conditions. Why? Because the conditions were quickly resolved, and their livelihoods depended on flying, so they didn't want to go through the hassle of waiting three months for their license to fly to be cleared again. What's worse, of the 2,000 or so pilots who did this, only 4 or so had serious-enough conditions that they shouldn't have been flying!