Who created it?
A system of government which taxes the citizens and denies provisions of essential services to the people like housing, medicare, transportation and utilities. As if this is not burden enough to the people, the government went further to practise all kinds of creative accounting schemes to make double profits on lands acquired compulsorily from people at dirt cheap prices through HDB and URA and on disposals of assets and infrastructures to GLCs.
Such a system means that citizens pay taxes and yet are not getting the entitled services resulting in many kidney and other chronic medical patients being left to be looked after by the people themselves through charity.
When NKF was formed, of course, it lessened the burdens of many kidney patients who otherwise will have to struggle with their own expenses entirely without help to the relief of the government of Mr. Goh Chok Tong who of course were very grateful to whatever NKF and Durai were doing including supporting the highest pay for Durai which she called peanuts.
So who created the NKF problems? Government or NKF or Durai?
Durai, Richard and Mathilda created the problems in NKF, but the PAP regime didn't want to know about it.
If the media had the kind of freedom that their UK counterparts had, the NKF scandal wouldn't have blown up at all.
Directly or indirectly, everybody contributes to a problem.
Although some have to pay a higher price.