This is underrated. It highlights the stupidity of - I don't know exactly the term, but process or algorithmic decisions making, basically taking autonomy away from people and replacing it with some kind of mindless form filling.<p>Maybe it never existed, but there is the old fashioned idea of putting on a suit and going to talk to the bank manager about a loan and having a real person make a judgement call. While there may be problems with that model, it still had a lot of benefits over being denied something because the form isn't designed for it.
this is what bureaucracy and red tape looks like.<p>you have multiple chain of commands and grunts at the lower levels with minimal authority (or incentive) to show initiative- leading to a lot of frustration and hair pulling by the customer.