This a reason why we have systems of permits and legal requiremnts for businesses: to discourage folks from "going into" neighborhoods and running all kinds of whacko money games on-the-spot and leaving behind a tangled mess of people angry about money owed. Without any regular procedure to enforce the perceived contracts people just go banging on each other's doors and yelling for their money and the cops eventually get involved anyway.
Doing psych studies properly does include this kind of crap - they'd be no strangers to beaurocracy, having had plenty of experience with ethics committees.
I did a little over one year's worth of a PhD in cognition and physiology and gave up for my own reasons. But even if I was raring and to go, I could never have actually started testing subjects, as the relevant ethics committee only met once a quarter and they kept blocking my tasks for truly trivial reasons, different each time and never mentioned in the previous judgement. If your supervisor was at the committee, they could say "we'll alter that minor point" and you'd be fine, but if not, it was "please reapply for consideration next time". Yeah, in three months. I do not miss the politics of academia one jot.
One example of a blocked task was 'Does not state is complying to electrical standard Foo'. Which is a very reasonable statement to make, as part of the task involved using EEG electrodes. But the task was set to be conducted in their own university, on a floor wholly wired to specifically meet standard Foo, and one of the supervisors at the committee was a bloke who used exactly these labs for a similar thing. No dice, fuck you, come back in three months.
So yeah, getting permits isn't something new :)