Ask HN: What annoys you?

A lot of recent threads have been talking about sharing ideas, I would rather share our problems. Hopefully some people can be lead towards solutions that already exist, and it might be useful for those looking to startup something new.

List the problem you have, and why you find it a problem, possibly saying why other things you have used havent solved it.

Make 1 comment per problem, and try to upvote / comment on problems to expand on them.

Payments - I am tired of entering 20 things every time I want to pay for something, paypal has been problematic with cancelling accounts and generally being untrustworthy.

Banking - My bank has a website that the 90's would be proud of, it gives me little to no information about my spending habits, transferring money is a nightmare, and using kublax (similiarly mint) had my account banned for security purposes.

Things to do - I find it really hard to find things to go out and do in my spare time, events listings never seem to have something that interests me, same with tourist guides although they can be better. Asking friends is always an order of magnitude better.

- Having multiple gadgets, one can connect to a network, the other can't, even though they both have WiFi

- Bureaucrats that could be replaced by web apps