Yeah, I think they don't have any people working on the full UX flow, my bank does similarly weird stuff.

The example that comes into mind is making transfers to my wife, where every time I do it, they ask me to confirm a bunch of questions to make sure it's not a scam/fraud, which fine, good idea. Once I confirm, they display another notice telling me they won't ask for a confirmation/2FA code because I make transfers to that account so frequently.

The only reason I can come up with why it is like that, is because there isn't a single person/group responsible for the full experience.