People are often missing a lot of inherited context, like what the steps of the process are (for buying, insuring and registering a car), what the terms mean (all the different numbers and IDs).
Then it gets messier. Immigrants have to get everything at once: papers, permits, certificates, IDs, accounts. All of them depend on each other, and most of them take weeks to get. People need an income now. A big part of my work was to disentangle a few catch-22 situations around residence permits, bank accounts, apartments and health insurance.
I've talked to a few employees at the immigration office, and since all of them are native to this country, they seemed surprised that a whole Facebook community was dedicated to navigating their office and its requirements.
The same problems apply to tech, but it's worsened by the fact that the builders are well-paid people in developed Western countries, but the users can be anyone, anywhere.