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by onion2k 147 days ago
A common cause is multi-page forms that silently push URL changes to your browser history stack, and also set headers that block pages being cached by the browser properly. On mobile that means an accidental swipe up takes you 'back' a page, which reloads the form losing all the data.

The web dev who built it needs to have made a few errors at the same time, but browsers, HTTP servers, and JS all work in tandem to make foot-guns like that very easy to pull off.