[tbw2]

They’d end up an incentive for “shadow work”, the work they push onto customers and incentivize by making it more inconvenient if you don’t.
For example, they push people to use self-checkout by closing all but one or two manned checkout stations.

[ClearCase_guy]

My bank did that. Any time I entered the building to make any sort of transaction, the teller would say: "Our app does that. Do you have our app? You should download our app. It's really helpful. It does what you want me to do. Do you have it? You should download it."

And, of course, the teller would then refuse to help me. They just sent me home to download the app.

The job description of the bank teller had become: "Convince the customers that bank tellers don't deserve to have jobs."