While that's a real problem in general, I would think that for this particular group of people it might be less of an issue.

We are well paid, and as such majority of HN'ers should qualify for premier banking. One of the advantages in that is that you get access to quality in-house customer service, and may be able to call them directly from the banking app. (A really nice feature.) They tend to have good availability too. The plural of anecdote is not data, but I've never had to wait for longer than five minutes when I do have a problem that requires CS's involvement.

I mean if there's actually a real problem with your account, spending an hour on hold might not be wasted time.

It’s still wasted time, and what’s worse, if it’s an urgent problem, that’s a situation where you can’t afford wasting that time.

Maybe it's not a good bank if you can't get a hold of them in a reasonable timeframe