Better question: Why do I need to use my bank's special snowflake website, or their special snowflake app, when both do the exact same thing that I was doing via a text terminal dialing into Bank of America's HOMEBANKSF service on Tymnet? Why do I have to use their decommoditized solution when there could be a standard solution for banking activities?

Yeah, we both know the answer is lock-in... but maybe that's a sign that the gnomes and gnome-adjacent need to be tard-wrangled for the good of society?