Just now I was invited to check my PayPal balance. They wanted to send me a code to my phone to verify it was me. I doubt a human was involved.
Most chat bots are computers rather than real people. At supermarket checkouts you are encouraged to use automatic checkouts. Most bank transactions are getting cash from an ATM. If you are lucky you may get a call centre somewhere on the planet, where a person might understand you and you might understand them! You are just a sort code and account number - no personal contact.
More and more there is less human contact. All this is done in the name of "progress" and to save money or increase profits.
In my view we are going backwards.
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