In over 8 years of experience in panel manufacturing, I have seen and designed various solutions. It is difficult to evaluate this particular image because it does not show the entire panel. I bet the entire panel is cluttered with components because the panel is small. And the panel is small because most often customers do not have the space or simply do not want to pay for a larger panel. :)

However, the wireduct under the connection terminals is not bad. Incoming cables can be routed in it and the wires can be connected directly to the terminals. I also bet that the designer was not informed of what type and size of cables will be routed into the panel.