I've never had an online loan application work, always had to go to their branch or call them which is a lot more work than installing one browser extension called MetaMask.
A lot of these complaints remind me of the time when all the newspapers were writing about how internet is never gonna succeed because x, y, z[1].
There was a time where email was a "complex" thing, you can find out videos of news anchors trying to understand the "@" [2].
1: https://www.newsweek.com/clifford-stoll-why-web-wont-be-nirv...