[version_five]

It's the rise of an administrator class as services get decoupled from any real market pressure. You're citing mostly government and banks where it's worse. Bureaucrats can add friction almost infinitely without ever feeling the consequence, and without a countervailing force, it just keeps progressing.

[tacostakohashi]

Also very true, a lot of things where the website/experience for the mass market/end users is terrible, but for the rich there is a backdoor, or agencies that do it for you, etc.