Group Chat, Debate, and Maker Checker Loops

In many banks, one employee enters a large payment and a second employee must approve it before the money moves. The second employee is not more skilled. The value is that the second person did not make the choices behind the payment, and so has no reason to assume they were right.

A review meeting works differently. Several people read the same proposal, each responds to the others, and a chair decides who speaks next. Both arrangements have direct equivalents among agents, and each has its own cost.