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> The author here seems to have a pretty shallow understanding of how banking infrastructure actually works (ex. ACH vs. wire vs. direct deposit), which is the root of a lot of these complaints.

This is approximately the level of understanding that most people have. I think this helps highlight the point that the banking system is just horrible to have to deal with -- you shouldn't have to know the intricacies and oddities of the banking system in order to do this sort of stuff.

> and still want high-touch in-person and phone interactions in a financial institution.

This is me. For mundane things, I prefer an automated system. But if anything at all goes wrong, or if I'm doing something unusual, I want a human to hold my hand.

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