Modern users don’t want to jump through hoops just to get dinner or groceries....

https://lukasnpyy234.cavandoragh.org/why-do-finance-apps-feel-like-they-set-the-bar-for-usability

Modern users don’t want to jump through hoops just to get dinner or groceries. We’ve moved past the "is this app easy?" phase—now, it’s about "do you respect my time?" When an app forces a clunky login or adds unnecessary steps at checkout, users bail