It suggests that performance planning should be done more systematically, regardless of the day-to-day outcome always being "MCTOM" - because one day the answer might be "outside the flight envelope!" It also suggests that, if electronic performance planning is being done, that the software needs changing to flag up the breach of envelope.
HC, is there no onboard indication on the PFD to highlight this - particularly given the consequences you describe? The IAS tape goes red above Vne, you could imagine that the ALT tape could also go red when below (or above) the RFM envelope.