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I'd like any person or system asking for my information one field at a time to minimize my time and effort to give it to them.

When they make erroneous assumptions, which they often do, they steal more of your time and effort than it would take without "assistance".

I bet a large majority of Americans have their city and state uniquely identified by their zip code

if it's not unique, a trivial fallback would be to not populate anything, and that's where we are today