Comment by doctorpangloss

People who are good programmers say this, they have this fantasy, but it's a myth. The opposite is of course true, because there is no maintenance, there are a bajillion agonizing bugs and people simply work around them, the "small fixes" live inside the heads of the people using the application.

Like the fantasy is that the bank uses TUIs and the bank has accumulated years of knowledge and the bank doesn't make mistakes. The bank has extremely well paid staff. Joe Shmoe's TUI app looks like the bank's app, but it is unmaintained, it has accumulated years of problems, not fixes, nobody is fixing them, people who say they fix them cannot possibly be keeping up with the sheer amount of toil and bugs needed for production software. You can see this in any GitHub project, how much insane maintenance is required, for stuff people actually use and has few bugs.