How complexity accumulates
Complexity grows because organisations prefer adding to changing. Adding a new procedure, system, or interface is easier than removing an old one. Stakeholders who benefit from the addition lobby for it. Stakeholders who would benefit from removal are diffuse and less vocal. The result is a system that grows thicker faster than it grows cleaner.
Mergers, regulatory changes, and technology transitions each leave sediment. Legacy processes coexist with new ones. Parallel systems run while migration is planned. Exceptions accumulate faster than standards. Each layer is defensible in its own terms. The cumulative effect is a system whose full state is unknown to any individual or team.