Laggy, complex and unintuitive UI’s, I get frustrated all the time when I have to use them. Everyone does, but very few people get frustrated enough to stop us

Laggy, complex and unintuitive UI’s, I get frustrated all the time when I have to use them. Everyone does, but very few people get frustrated enough to stop using the software or to change bank. People will leave if the software isn't available, but they won't leave if it's bad, even if someone else tells them their bank's app is far better. From a business perspective this means the company is investing exactly the right amount of effort in it. That sucks if you're the end user obviously, but if the user won't leave when their experience is horrible that's on them.