Why wildcards accumulate
Granting a wildcard is a one-line change. Auditing every user with a wildcard requires knowing who has them, why, and whether they still need them. The asymmetry — easy to grant, hard to audit — is what produces the accumulation.
The pattern that prevents this is to grant roles, not raw permissions. Roles (`owner`, `admin`, `billing-only`, `read-only`) are a finite set. Auditing "who has the owner role" is straightforward; auditing "who has any of these eight wildcard variations" is not.