As is commonly true, they seem to have come to view their interests as tied to the interests of their organization rather than to the interests of their clientele. This can happen simply because it is within the organization that they are rewarded, so that it is their organization and not their clientele who give them their incentives for action or inaction. This problem is exacerbated when there is the credible threat that some of these institutions will be abolished. Hence I cannot trust the agents—because I believe their interests do not encapsulate mine.

Russell Hardin, Trust and Trustworthiness, loc. 767