Sometimes it's because they don't have a choice.

Case in point, since we're already talking about them: Ryanair. I'd cheerfully never fly with them again after, several years ago, they denied my wife and I boarding to a plane despite the fact the screens round about were still saying final call. Not just us either: about half a dozen other people missed that flight because the screens in the main terminal only updated with the departure gate a few minutes before final call and we happened to be quite a long way away when that happened. I've never had anything like it happen at any airport before or since.

Be that as it may: we can't practically avoid using Ryanair. My wife is from another country and Ryanair is one of only two airlines that fly there from the UK at all and the only airline that flies there from the nearest international airport (roughly half an hour away as opposed to 2+ hours away).

So we fly Ryanair even though neither of us want to: there simply isn't another practical or sensible choice.

We got an admittedly very good deal to switch cell carriers. Part of that deal was receiving a debit card with my phone's trade in value loaded. That card turned out to be digital. I put it on my phone without thinking too much of it. However, given my lack of experience with Apple Pay, I didn't realize that I now didn't have access to my own card number. When I try to use the debit card, I am asked for a PIN that I've never been given an option to set up. When I call the card provider, the automated system demands a card number. Which I don't have.

Granted, it was my ignorance as a user that is responsible for some of this but it's pretty clear that the lack of access and support is intentional.

The banking industry has been hostile toward poor people for ages. When I was in my early 20s, an employee at a bank let me open a savings account without meeting the minimum balance for an instant penalty.

Of course, I'd get that shit reversed on that person's dereliction of duty to warn me when we were discussing how much I'd allocate to it if it happened today, but I was young and dumb and didn't know how to stand up for myself at the time. This was early 2000s, so hardly a recent change.

These companies have correctly figured out that it's much cheaper to buy out governments so they won't actually punish them for all the regulations they break or institute new such regulations.

That's the weird timeline we're on. Governments willingly ignoring large scale violations by large corporations who actively harm their voters they're supposed to represent.

Yes, Ryanair stole 100 euro from me once, but if next flight is 50 to 250 euro cheaper than competition...

I did some big projects motivated entirely by spite (project was overall helpful, but I would not do this if someone would be less nasty). But I still would use Ryanair.