That's what a lot of people seemingly struggle to understand.
Inaction is not a safe action. Inaction has a price. And sometimes a death toll too.
Yes, but this is a clasical agent-principal problem.
Theoretically, the bureaucracy works on your behalf, but only approximately so. If it makes a mistake that kills you, the decision maker does not pay any price.
It depends on your point of view. For the person deciding on giving permission they will not be thanked for allowing it, but might well be blamed if something goes horribly wrong.