Heck things like statements being sent digitally being sent as pdfs by email is a big thing for me. I find it hilarious they point to security issues, which are easily fixed by obscuring account numbers or such or you know. have encrypted communication at least with the major providers, when security is so lax in other ways. I can get it, sometimes, sent by physical mail which is in no way more secure. There is a whole lot of digital transfermation that completely ignores business norms of the past. I think there needs to be a push to not treat online things as special cases and have them function like our meatspace interactions.

For AI I like to compare how the internet progressed. There were things that go back to the 60’s but by the 70’s there was email but internet was not widely adopted until the 90’s. So from start of email to wide adoption was about 20 years. So chatgpt was like 2019 and wide adoption was less than 10 years. I think if it had more time to back at the reasearch level they might have been able to work on quality.