Bob suggests that corporate bureaucracies, specifically third-party fraud monitoring systems, often create unnecessary obstacles that hinder the ability to resolve simple customer issues.

“I do also think this problem you're running into is partially like corporate. I don't know what the word for it would be. I don't know. Corporate corporate creep. Corporate the the thing that happens with companies because we had this experience.”

Mark argues that corporate customer service is declining because companies fail to train their employees and implement systems that prevent simple, effective assistance.

“I feel like there just is some gap in the training where somehow these people are here to answer questions, but in a way that I don't think anyone at the company actually keeps track of what they're doing. I don't know how they're doing these metrics, but they're they're not testing their people wel”

Wade attributes customer service failures to the lack of proper training and the imposition of rigid corporate systems that prevent staff from assisting customers.

“I think you kind of said it, but I don't necessarily blame the people even. I don't think they're idiots. I think they understand, but like the company didn't train them properly. the company has these other systems in place that like pre prevent them from just like doing a simple thing”