Just because the government has cleverly disguised bribery in the garb of law doesn't make it any less bribery, they simply coerce and intimidate the citizenry to pay up or suffer the consequences and it's all perfectly legal.
Whilst I feel for you, and I too have bridled at the fees, interest, and plain gouging that goes on in my home country (although we don't suffer the health care scam that plagues the USA) these are legal charges and thus by definition not bribery or corruption. I hate 'me as much as you do but they are legal. You don't have to buy a new car either.
I'm afraid I agree with BaliLife and Tin Tin.
The last few days in the Jkt Post have have a fairly impressive list of folks arrested or charged in recent days by the KPK, these include some fairly big fish...bank governors, provincial governors, and much more.
But the biggie that really caught my eye was the move onto the State oil and gas companies. The KPK estimates that USD$22Billion has been syphoned off these guys!
That is an unbelievable amount of money as we all know, anywhere in the world, but in Indonesia, I wonder how many schools could be built and run, or roads repaired, or hospitals funded. Or police salaries increased so their hands are not so readily out.
The thing is, every time you hand over the little bit of cash here and there..as you put it "Conditional, local bribery or "gift giving" to the occasional Indonesian official", you essentially ok things like this illegal self enrichment. You can't have it both ways.
