When old people speak it is not because of the sweetness of words in our mouths; it is because we see something which you do not see.
User-centered design means understanding what your users need, how they think, and how they behave - and incorporating that understanding into every aspect of your process.
What we have at present is a system of loss socialism. Whatever goes wrong is shouldered by the general public and anything that works is privatised. Worshippers of market freedom have suspended the most important economic principle: Risk and liability go hand in hand.