He listened to her moans about lost customers and bad debts, the swindling ways of Mr. Johnson and the incompetency of Hugh.

全神贯注地听她发牢骚，说她怎样失去了顾客，怎样放了呆帐，约翰逊先生如何欺骗她，以休多么无能，等等。

I have suffered a martyrdom from their incompetency and caprice.

我因们无能和任性而备受折磨。

His incompetency is reflected in his poor choice of appearance.

无能反映在糟糕选择上。

So to answer your question directly, you ask what the cause is, it's incompetency and perverse incentives.

所以直接回答你问题, 你问原因什么, 这不称职和不正当激励。