Isn't that expected and natural? As performance of a system is being optimized, the relative size of un-optimizable parts goes up. Sure, your banking app crashes sometimes and annoys you. How about you delete it and instead take a bus to a postal office to pay your bills this way - no annoying apps involved, it will just take 1h instead of 1m.
> Sure, your banking app crashes sometimes and annoys you. How about you delete it and instead take a bus to a postal office to pay your bills this way - no annoying apps involved, it will just take 1h instead of 1m. Huh? Have ever actually paid a bill without using a computer? It doesn't work like you describe at all (unless you live in a really rural area or you're deliberately trying to make it difficult for yours…
In some countries bills need to be paid at any bank or at the post office, you can't mail a check. The bill basically has a bar code that that the bank scans, and you pay in cash. (Or you can scan it at your bank's ATM and deduct it from your account).