Recently my wife got locked out of her bank account - all cards blocked, unable to log in to the website or app, so effectively her whole finances were frozen - because she was trying to order a new bank card over the phone and some system couldnt do voice recognition (which we did not know they even used). We were getting ready to get on a plane to NYC, from California (she banks with TD bank) but after a tearful session of phoning anyone and everyone we could at TD, suddenly it magically got reversed.

The problem is not just the tech, its building systems where humans are essentially slaves to the system, with no recourse or power over whats happening.