Anecdotally I have found businesses are miraculously efficient at things that benefit them (signing up for things, transferring money into banks, making payments) and need “extra time” for anything that is a problem for them in any way (processing “unsubscribe”, issuing refunds, transferring money from banks, cancelling accounts).

I feel like the only solution is a law that simply requires businesses to make it equally easy to do something as it is to undo it (especially for things like being able to “click here” to enroll but “on hold for 45 minutes” to cancel...give me a break). Some states are getting there.