Factor in that a lot of these web-based services are poorly designed and badly constructed and it is no wonder that some people get frustrated or are easily swindled.
Local council sites tend to be the worst, in my experience, with unfathomable navigation and broken forms being the most common problems.
My dad often asks 'why can't I do x?' and my usual answer is that the website is sh1t, there is nothing you can do about it.