What is this plethora of options people have for banking, paying rent, getting documents from their doctor... And this isn't just an issue with phone apps either.
When I visit my bank account online I'm met with full page advertisements for other services from the bank and I have to hunt around to find the tiny gray 'No thanks' text before I can even get to my accounts. And from there, I'm met with constantly changing UI patterns and abstract hieroglyphic icons instead of plain text like it should be.