Salesforce has the same business and often the same perception as a result.
It's almost always the client's decisions causing the problem, whether they skimp on UX flow or have terrible internal business processes.
Transferring securities is not something people should need to do very often, and as a consequence it is not optimized in general. The one time I had to do it, I had to hand-sign paperwork and get a medallion stamp as well. This was to move stocks from one private (not govt) IRA provider to another without selling them.
I have a TreasuryDirect account but only use it to purchase and hold inflation-protected bonds.
That wasn't asserted. It's a more efficient route. Just as Door Dash is faster than having food mailed via USPS.
> why do you think that people deserve to be punished for buying directly from the government
This was not a claim either, but I'll be gracious. The government never makes inefficiency an explicit goal. The consequence is the incidental effect of a massive bureaucracy. This is common knowledge.
> and why do you think this is common knowledge?
Need to come down to the DMV or Social Security office? Gonna be a few hours in many localities. If you're lucky enough to use the website, maybe a few minutes. Scale this up to the Federal Level and less frequently exercised services.
From secondhand experience (my wife): Getting a first name change and have no fingerprints? It'll be months of exchanges before the FBI nixes the application.