This is underrated. It highlights the stupidity of - I don't know exactly the term, but process or algorithmic decisions making, basically taking autonomy away from people and replacing it with some kind of mindless form filling.

Maybe it never existed, but there is the old fashioned idea of putting on a suit and going to talk to the bank manager about a loan and having a real person make a judgement call. While there may be problems with that model, it still had a lot of benefits over being denied something because the form isn't designed for it.