Why is our delivery system of financial services screwed up ?

In todays environment there are too many generalists and not enough specialists . The bank teller sends the client to the investment adviser who then sees client has open money so they promptly call in the " insurance specialist" to sell the client a maximum funded Universal Life or Whole Life policy . The fact that the client has a 250000 k mortgage on their principal residence does not come into play with the bank planning and client is convinced they should buy a life policy for 70000 annual premium . The investment adviser is rewarded by their " fine  work " through points given to bank employees as well as commission split with the so called " insurance specialist ".