Gregory's Server@Knittingdancer @CiaraNi Almost all human interactions about business matters are like your Germany example, to me. Why would I not be allowed to do it myself, and not bother a person?
If it can't be done online, I usually just won't do it. I estimate that avoiding human contact and phone calls costs me $200-800 a year, and I'm relatively happy to pay it.
I get on a soapbox about this quite often, but if your process requires any human interaction, I don't believe it can be considered accessible to anxious/autistic/other neurodivergent people. There are times when I could walk 20 miles, or pay $50, or solve a complicated logic problem, but could not muster up "Hello, please assist me" dialogue to save my life.
@holyramenempire I don't know anyone who wants to go back to queuing up to sign forms in triplicate. We just don't want digital-only solutions that aren't functional for everyone and that have huge vulnerabilites, with everyone and everything getting paralysed when they don't work. Digital-only solutions are as exclusionary for others as human-contact solutions are for you. We need both possibilities. And the digital solutions should be slimline and fit for purpose.
@Knittingdancer