I like your perspective. However, I have to make about that many calls every week just to deal with messed up bank balances, errors in credit card bills, etc. I

I like your perspective. However, I have to make about that many calls every week just to deal with messed up bank balances, errors in credit card bills, etc. I spend well over an hour a week on stuff that in the late 80s and early 90s could have been taken care of with a single phone call to the institution involved. (I have several residences and small businesses so YMMV.)