> This is actually an example of the opposite. How much time does she spend going inside the bank, waiting in line, and asking a person for help over the course

> This is actually an example of the opposite. How much time does she spend going inside the bank, waiting in line, and asking a person for help over the course of her life? Is it really less than the amount of time it takes to learn to use an ATM? One issue with these technologies is, they are not 100% reliable and there's a non-zero chance that you would need to fallback to a human in uncovered edge cases. Speaking of ATM, I personally experienced 20% or higher failure rate when depositing cash via ATMs. Sometimes a retry would work, sometimes not. Same problem with self checkout in grocery stores, airport self check-in kiosk, courier dropboxes prepaid self-printed shipping label...etc.