Just a quick counter point to your first problem. Lack of a (good, working, sane) chargeback system may cause needed work to not be done, if the people who need to do it are not on the same team/in the same department as the people who need it done. Think servers being built by developers - who can't continue work until they have been created - instead of having server specialists build them - who may in fact be able to build them better and faster. This happens easily when no chargeback system exist for the developers to "pay" the server specialists. Everybody works on tasks that contribute to their own department/team bottom line - but the total result for the company as a whole might be a lot worse than possible.