> I happened to walk past a branch of my bank, and remembered my debit card is playing up due to wear-and-tear, so I popped in to order a replacement. I made the request and the first response was "do you have our banking app, you can do it on there?". "No".

I switched banks over something similar.

I'd had an account with Wells Fargo (and before that with First Interstate before Wells Fargo bought them), dating all the way back to when I was a kid. I'd used that account for everything, for 20+ years, and kept all my assets in there.

I regularly went into the branch to do certain transactions, like making deposits or withdrawals, for any number of reasons. (This was long before you could do any kind of remote check deposit.)

And the teller decided to provide an overt reminder suggesting to do this via the ATM rather than talking to a teller.

That day, I requested a cashier's check for my entire balance, and went to another bank to put it in my account there.