To be clear, I was thinking cost as more than just payroll - e.g. my bank can do this because they have paid for a branch near my house, Facebook does not - but another way to look at it is that many of the costs due to errors have been shifted to the user.

I do think friction causes a reflexive resistance to the idea but I think that might be an overreaction. This is a rare thing people should be doing no more than a few times in their life.