There is a definite lack of grasp within the concepts of coarse and fine. The bulk approach requires a one-size-fits-all mentality that refuses to recognize individual talents or liabilities. A coarse approach allows for no anomaly and basically dictates how things are done - solely for the benefit of the powers that be that set the rule.
The fine approach allows for people quirks, but does not give the latitude of knowing the protocol, because everybody becomes the self-exception to the rules - which we enforce upon others. Rules are made to be broken with justification arising in selfishness. Ayn Rand not withstanding, there need to be a balance that allows coarse filtering and fine exceptions.