I heard you say that institutions have to do things not just when they're easy. When a situation is hard is really when institutions need to refer to the regulations. When things are going smoothly day in and day out is not when institutions need to refer to the regulations. They need to do so in specific situations.
I hear you when you say that indicators are needed. Assessments are needed. An analysis has to be done at the beginning of the process, during the process and at the end of the process. You don't see that in the regulations.