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– where you realize that their software is so bad and the process so onerous that they might as well be deliberately discouraging loans.
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I built my career on UX design to fix shitty, engineer-"designed" web apps that were basically user-hostile. I know my way around a bad UI. But I think the point where I had to give up and use the UI's tools to reply to a do-not-reply address asking "how do I do this" is the part that broke me today