>My guess is the bad experiences have to do with bad execution.
This is the key, IMHO. I have not been able to access my Coinbase account for some time due to a login issue. (No error is displayed, but a successful login returns me to the login screen). The AI driven phone agent was actually very good at working through the problem, but there was no escalation to a human after that. When the agent couldn't solve my problem, it told me to mail a physical letter describing my issue to an address on 5th Ave in NYC.
This is the key, IMHO. I have not been able to access my Coinbase account for some time due to a login issue. (No error is displayed, but a successful login returns me to the login screen). The AI driven phone agent was actually very good at working through the problem, but there was no escalation to a human after that. When the agent couldn't solve my problem, it told me to mail a physical letter describing my issue to an address on 5th Ave in NYC.