Ten years ago I would have heartily agreed, but I'm no longer sure the salaried, on-payroll bureaucrats are still the largest part of the problem.
Approved. Pre-approved. Compliant. Permitted. Registration. Authorised. Verified. Standardised.
All code-words for "private monopoly", or at least "private oligopoly".
And then we have the off-payroll bureaucrats: the middlemen, the assessors, the contractors, the industry associations, the lobbyists.
I think the salaried bureaucrats are only one of three. And the onion may have other layers I don't understand yet...