Wholeheartedly agree. If you don't want to pay customer service people, do not enter or build a business that requires serving customers at scale.
If they can do it, so can we.
Just like offshoring manufacturing and service centres to places that pay the lowest wages (even though us proles aren't allowed to buy entertainment media from those same places, but that's a separate topic)
Race you to the bottom!
In the case of Google and Meta though don't confuse Customer with User. User service is not a thing.
Clearly this thread -is- about Customer (not User) Service, so I'm not suggesting that banks are the same.
Financial systems have a bot / scam / fraud problem. As others have pointed out, that is the cause of most of the human pain in that space.