Or think of the debt collection industry, which maintains a pretense of careful record-keeping as the basis for hounding and threatening people, but which is, in reality, a barely coherent trade in spreadsheets whose claims to our money are matters of faith:
https://pluralistic.net/2023/08/12/do-not-pay/#fair-debt-collection-practices-act
For usury, the chaos is a feature, not a bug.
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Their corporate strategists take the position that any ambiguity should be automatically resolved in their favor, with the burden of proof on accused debtors, not the debt collectors. The scumbags who lost your deed and stole your house say that it's up to *you* to prove that you own it. And since you've just been rendered homeless, you don't even have a house to secure a loan you might use to pay a lawyer to go to court.
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It's not solely that the usurers want to cheat you - it's that they can make more money if they don't pay for meticulous record-keeping, and if that means that they sometimes cheat us, that's our problem, not theirs.
While this is very obvious in the usury sector, it's also true of other kinds of massive mergers that create unfathomnably vast conglomerates.
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