I think this year between my two fiat banking apps I have been unable to login first time about 20+ times this year. Sometimes it's been a simple refresh issue, sometimes the issue has lasted for a day or longer...I haven't really been aware of all the issues because when I have to use fiat I still mainly use cash. Failed lightning payments aside (value that I still got back) on the #Bitcoin wallet side of things I don't remember having an issue once. Yet for some reason most people still don't trust Bitcoin 🤷