This is correct and I would submit that the majority of what we are paying for in the form of posts, is not that good. But I have been saying for years, no one wants to hear it.

Everyone, even many major stakeholders who are paying for it all, believe they can end up better off than everyone else by getting a fat share of the post rewards, even as the overall pie continues to stagnate or shrink. DHF is more debatable as most of the payouts are at least directly for infrastructure development and marketing, but I'm sure there is some waste in there as well.