As long as the mindset of these politicians and bureaucrats will change nobody can bring in the discipline in these people. Anyhow it will be good if the point is discussed in a committee consisting of all the parties as the responsibility will become collective and one can't blame the other if this is done sincerely and scrupulously.
The problem with us is that we only interested in these happenings when this happens to us or when there is an election & even in that case through news channels. As the system is getting more & more transparent we also need to contribute on our end through various available social platform. For every institution including private or the public is having scrutiny departments which has the responsibility of MIS activities of different information which is as per required. But they are not the decision making entity & at the same time can't control the decisions taken by the management or their bosses.
Ending with the suggestion that responsibility needs to be fixed rather then getting shifting each time as these may result in the beginning of the blaim game.
So, why does this happen? The simple answer is people in power and high ranking officials collude to prevent the truth and the wrong dealing from coming out.
Hence, any such committee would not be foolproof because the nature of work and the huge sums involved would make the people become corrupt.
What we need is the data to be available in the public domain, there are numerous retired officers and educated people who can pick up errors and discrepancies which would be questioned by the public and the Government agencies should be duty bound to explain it.
For instance, if the number of loans given to the PNB scam inventors was in the public domain, I'm sure that someone would have picked it up and then raised an issue like RTI or a PIL.