[ColinWright]

Trying to pay a bill. On the website ... it took 24 minutes to navigate to the right place. Then they needed 2FA, so they emailed it to her.

Now she's supposed to open her email while keeping the web page open. It took 5 minutes to do that, find the email, copy down the code, close the email ...

Web site has timed out.

Just one of many examples.