The real problem is that the human is only seeing dollar signs.

I don't think it's that because I see a lot of this in businesses where the human isn't paying the bill, or is even aware of what the bill is.

Humans are seeing either a shortcut to go faster (accepting low quality to move on immediately; reasonable if they're short on time) or a shortcut to lowering effort (accepting low quality because they don't care; not so reasonable but probably has a deeper root cause).