Skin in the Game

Advocating for accountability structures that ensure those who make decisions about vulnerable people bear appropriate consequences for those decisions.

The Accountability Deficit

In many public services, there exists a fundamental asymmetry: decision-makers who affect the lives of vulnerable people often face no personal consequences when their decisions cause harm.

A benefits assessor who incorrectly denies support faces no penalty when their decision is overturned on appeal. A social worker who under-assesses care needs faces no consequence when inadequate support leads to crisis. A complaints handler who dismisses a valid concern faces no sanction when the Ombudsman later upholds it.

This creates perverse incentives: the safest course for the individual decision-maker is often the worst outcome for the vulnerable person.

" Never ask anyone for their opinion, forecast, or recommendation. Just ask them what they have—or don't have—in their portfolio. "

Nassim Nicholas TalebSkin in the Game

Core Principles

Symmetry of Risk

Those who make decisions about others should bear some of the downside risk of those decisions, not just benefit from the upside.

Personal Accountability

Anonymous bureaucratic decisions that harm individuals should be traceable to accountable decision-makers.

Alignment of Incentives

Performance metrics and incentives should align with outcomes for service users, not just process compliance.

Consequence for Failure

Repeated failures should result in meaningful consequences, not just policy reviews with no personal accountability.

Where Accountability Is Missing

1

Benefits Assessments

Problem

Assessors face no personal consequences for incorrect decisions that deny support to disabled people, even when overturned on appeal.

Solution

Track assessor accuracy rates and tie them to professional accountability and continued accreditation.

2

Care Act Assessments

Problem

Social workers under pressure to minimise care packages face no consequence when inadequate support leads to harm.

Solution

Independent scrutiny of cases where harm follows assessments, with professional accountability where warranted.

3

NHS Complaint Handling

Problem

Those who dismiss or inadequately investigate complaints face no consequence when PHSO later upholds them.

Solution

Systematic learning from upheld complaints with implications for those responsible for poor handling.

4

Reasonable Adjustment Decisions

Problem

Decision-makers who refuse reasonable adjustments rarely face personal consequences even when tribunals find discrimination.

Solution

Personal liability and professional consequences for those who make discriminatory decisions.

What We Advocate

  • Transparent decision-making: All significant decisions affecting individuals should be documented with clear reasoning and attributable to named decision-makers.
  • Performance tracking: Individual decision-maker accuracy should be tracked and form part of professional accountability.
  • Learning from overturned decisions: When decisions are overturned on appeal or by regulators, this should trigger individual learning and, where patterns emerge, professional consequences.
  • Aligned incentives: Performance metrics should reward accurate, fair decisions, not speed or cost-minimisation that harms service users.
  • Regulatory teeth: Professional regulators should actively use their powers to hold individuals accountable, not just organisations.

Take Action

Help us advocate for meaningful accountability in public services.