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When the basic things to run your life all involve labyrinthine processes to get simple answers (forget about specialized, non-pre-recorded ones). Example is having a utility bill emailed to you, then having trouble logging into their site to view it -- only to be sent to another series of screens to register, since it's your first time there ; or, to change passwords when you realize you don't recall the one you used two years ago when you first logged in (never having returned, since you chose to get paper bills for awhile after the Web service launched, but now the company has made it hard to do anything outside of online). Oh, and generally, the experience of dealing with any service run by a large, government or corporate enterprise (cf. voicejail)
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