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This sounds like a case of blaming the user for poor UX design. If the users that the system is designed for are constantly making the same "basic mistakes", then the system isn't designed well for them.

I think it is spelled Dunning-Kruger.

I'm a pretty experienced trader and worked on the Payments team at Coinbase, dealing with ACH, wires, and whatnot. If it's hard for me, can't imagine what the platform is like for others.

Coinbase has an alumni Slack filled with complaints on Shareworks.