I am at one of those "average" shops, as are most people (by definition, although maybe not in the HN community). I know this stuff is possible but we can't do it here, and neither can most sites.
To put it in perspective, if you found a bug in your bank's website and told them about it, how long would it take for them to fix it? Even worse, what if you suggested a way to make the site work better? Would anyone with decision making power ever even see the suggestion? Just try telling someone WHO'S NOT A GEEK this story and see what they say. I wrote the article because when I told my wife what happened, her jaw hit the floor.