The flip side is that when you have a non-standard request to a business (like a bank) or a government agency, it used to be that a low-level clerk would have some workarounds, or you could escalate to a manager. Now, they all have a convenient excuse: "the system doesn't let me do that". And it's true, because it's all SaaS software with inflexible business rules, controlled by some central team that neither you nor the clerk will ever be able to reach.