In the UK at least, switching banks is super easy, I’ve done in twice in the last 2 months because they offered free cash to do so, there is enough competition that the banks have to make it easy to move or else they lose customers.

For government, generally most systems are built to be as accessible as they can be because there has been [gov.uk/…/accessibility-requirements-for-public-se… ](whole raft of legislation) written up to cover this.

I’m not saying it wouldn’t be a problem (power companies etc could prove to be sticky) but there are legal requirements that entities above a certain site have to meet.