Multi User, One Account, and other shit

I'm gonna rant about something as a user, and someone who makes stupid web stuff.

My bank has been updating their web banking over time and they decided that every individual on an account, should have their own login. They really want to push this on their users, I suspect specifically folks like me and my wife who share one login for the joint accounts we have at the bank together.

Why share one login, because it's the only sure fire way I know that I and my wife can see all the same shit no doubt about it.

The banks never tell you what you can see or can't with joint accounts, I doubt it is even documented on their end, but in every damn case something is hidden or different in some weird way.

Messages to the bank people? If I send it, my wife often can't. I get that for security reasons that's a thing, but it makes no sense for a joint account.

ANY difference to me breaks online banking ENTIRELY. Joint accounts are supposed to be... well one account that is the same.

Other banks we used where we had different logins for the joint account, each login actually had separate bill pay accounts per user. So if I went to bill pay and scheduled something to be paid, my wife had no idea, same if she did.

Right fucking there, banking is just broken entirely!

So no Mr. Bank, fuck you we're both logging in via the same login.

Fast forward to N00bPancakes making a thing.

So my employer has a customer (Direct Customer). Direct Customer wants a thing that makes communication with their customer (Indirect Customer) easier.

The worst thing about making something for your customer's customer is that Direct Customer always imagines that Indirect Customer is gonna be super ninja power users....

But no, that's not the case... in fact almost nobody is a power user, and absolutely nobody WANTS to be a power users.

Worse yet in my case the only reason this tool exists is because Direct Customer and Indirect Customer can't communicate well enough anyway... that should tell you something about the amount of effort Indirect Customer is willing to expend.

So with that tool, this situation constantly comes up:

Direct Customer thinks it would be great if every user from Indirect Company had some sort of custom messaging, views, and etc in of Cool Communication Tool. The reason is because that's what Direct Customer loves about Ultra Complex Primary Tool that they use ....

Then I have to fight the constant fight of:

NOBODY WANTS TO BE A POWER USER, NOBODY EVEN WANTS TO DO MUCH OF ANYTHING ON THE INTERNET THAT ISN'T SCREAMING AT OTHER PEOPLE OR POST MEMES OR WATCH SHITTY VIDEOS. THE MOMENT ANYONE AT INDIRECT COMPANY LOGS IN AND SEES ANY INFO THAT IS DIFFERENT FROM THEIR COWORKER THEY'LL SHIT THEMSELVES, FLOOD EVERYONE WITH 'OH GAWD SOME NON SPECIFIED THING IS WRONG' AND RESPOND TO EMAILS LIKE A JELLYFISH DROPPED OFF IN NEW MEXICO... AND NOTHING WILL GET DONE!!!

God damn it people.

Also side rant while I'm busy fighting the good fight to keep shit simple and etc:

People bitch about how horrible the modern web is and then bitch at web devs like we're rulers of the internet or something.... What really pisses me off about that is other devs who do that.... like bro, do you make policy at your company? You decide not to sell some info or whatever shit your company sells? Like fuck off with your 'man I miss html' because you got scared by some shitty JS error and ran back to your language of choice and just poked your head out of the the basement and got scared... and you shit on another developer about that? Fuck you.