Totally agree with you Boingy!
Regarding technology, I could give a whole range of examples when some bright spark has introduced some new tech (doubtless based on claims of it being more efficient) to replace existing systems which has clearly not been properly "sandbox" tested first and subsequently causes needless problems.
I'll limit myself to the two I find most frustrating. The first is automated phone services based on poor AI systems that have learnt only the answers to the most basic of queries and provide a host of frustrating blind alleys via a myriad of menu options. Inevitably, they also ask whether you have tried using their online service to find the answer, which-of course-is the very thing you have tried first, not found the answer to your issue and hence your phone call. (How many of us have found ourselves pointlessly swearing at automated phone system in frustration?😁

. If you are lucky enough to eventually get to speak to a real customer service person it then takes a while to recover from the frustration of navigating their mostly irrelevant automated menus before you feel like being civil despite the relief!
The second is 2 step verification. I do understand the increasing security aspects but with passwords no longer being sufficient we cannot access online accounts for most things without first also getting an authorization code via phone or another e-mail.
Navigating so many systems today is becoming increasingly more difficult and, as you rightly say, many in real need of help are put off by this and simply give up trying. We are not alone by any means in identifying this problem as Age UK and a range of other charities and organizations, particularly around age, disability and mental health, are currently raising the issue with government. Let's hope they can find a solution.