The financial sector is the clear winner in who makes worse user-facing software though. I've interacted with a whole variety of US government services from fed

The financial sector is the clear winner in who makes worse user-facing software though. I've interacted with a whole variety of US government services from federal to city and they're on average better than the garbage I have to use for back end management related to bills and various investments. Consumer tax software is downright user-hostile.