What is this plethora of options people have for banking, paying rent, getting documents from their doctor... And this isn't just an issue with phone apps eithe

What is this plethora of options people have for banking, paying rent, getting documents from their doctor... And this isn't just an issue with phone apps either. When I visit my bank account online I'm met with full page advertisements for other services from the bank and I have to hunt around to find the tiny gray 'No thanks' text before I can even get to my accounts. And from there, I'm met with constantly changing UI patterns and abstract hieroglyphic icons instead of plain text like it should be.