You are using banks wrong. That's not unexpected, most banks are designed to encourage you to use banks wrong and to in turn make this experience awful.
Last century, when I was a teenager, somebody set up a bank in the UK with an understanding of where all this is going. I have been with that bank ever since for my day-to-day banking needs.
The First Direct bank. They don't have any branches, they pay the same fees as other banks for there to be ATMs that work with their cards, and they own a web site and so on.
Instead of spending money on big solid-looking buildings people rarely visit, they run a massive 24/7 call centre, and all the call centre employees are trained to provide the entire service, since that's all they do. Absolutely every eventuality I've encountered was handled by telephoning them and then talking to a human. I often don't call them for six months at a time, but I've also had period when I called five times a day.
Two examples:
One day, still last century, I lost my wallet. Oh dear. I wanted to go out with friends, but I had no money, no cards. So I telephoned my bank. "Where are you?" they asked, because this was last century, so I was just a random voice with no indication of location. They looked up where I was, located some other bank building nearby and sent me there, then negotiated with that bank to give me cash.
This century, but a few years back, I bought somewhere to live. This involved a very large transaction. I phoned the bank, walked through exactly what I was doing and why, confirmed the transfer details and then they explained that no single employee of the bank is authorised to wave through such a transaction and I should expect to receive a phone call from another employee, who would confirm all the details again and then they could both authorise it. So I spoke to two people, for maybe a total of twenty minutes. Which considering the eye-watering sum of money that was about to just magically vanish from my account seems OK.
I don't understand why people would put up with any other sort of bank. I particularly don't understand people who are too busy to "go to the bank" on week days and then moan about it. This is 2018, I already didn't have to "go to the bank" in 1998. Get a better bank.