It is about rigid institutions whose adherents take it they are the best. Mara Ivy league, mara alliance mara Opus Dei.....
A poor, corrupt yet diverse mwafrika society requires robust thinking. For instance if banks need support from Treasury why not allow rice traders in Mwea access to digital lenders? Why block FDI flowing directly mashinani? The traders have done their cost benefit analysis which Opus Dei and MPC guys cannot hack. It is an elitist phenomena of what I don't understand or like is primitive and needs regulation/bans.