I'm in Vietnam, all banking process here requires a human that u need to talk to in case of 99% use case.

Your account to login is blocked ? Call someone. Why should there be username/password checking in first place ? It's solved by Bitcoin right ?

You want to withdraw some money which is larger than the threshold from ATM, you repeat above my process.

And of course many more. Call to someone in a hopeless hope that they'll call you back. Luckily there's someone who's ready to help your issue, then u repeat above process.