I live in Japan and in the rare event that there is an online option when I need to do something related to government documents, banking, insurance, or the like, all I can think is-- "wtf is this, geocities?".

It's always a clunky, awkward, boxed in mess of text that is a miracle in the case that it actually works. But that's just the way it is here. Lots of elderly, and the elderly prefer a nice helpful receptionist, I guess?