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>Just because it's not a problem for 95% of people doesn't mean it's not a problem.

It's not a problem for 99+% of people. That means it's not a problem for 99+% of people. It's like any rare but unfortunate event that people rationally choose not to insure against. And it sucks to be you if you're the statistical outlier, but you already know what to do if you're worried about that: Choose a different service that has a worse overall user experience because they spent their money on giving you someone to talk to on the phone instead of on producing a well-engineered service.

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