It is very clever, and way before the Internet, I did implement a version of myself.
To cut a long story short -
my bank at the time gave me a verbal assurance of a loan for a holiday, which my wife and I booked for us, and our children.
When we returned to sign the papers, we were told that the loan was declined, no reason, no discussion, so I had to tell my children we were not going away as we had planned.
Furious, i decided to move banks, and I asked my new bank to pay off the £1,000 loan I had with the old bank, and take on the loan, and they agreed.
They sent the £1,000 over to my old bank, who mistgakenly put it in my current account, instead of paying the loan.
I promptly withdrew it in cash, and then wrote to the bank, telling them I now had £1,000 of their money.
I would repay this money at a rate of £50 per month, minus the current interest rate.
If I needed to telephone them to query anything, i would deduct £5 from the balance, and if i need to write, I would deduct £20. Incoming calls and letters would attract a similar deduction to pay for my time.
They threatend to take me to court.
i threatened to take them to the Ombudsman.
They wrote off £700 of the loan and closed my account.
I advised them that they owed me a further £20 in respect of the letter closing my account, without any real hope of receiving it.
Six months later, i got a 'cold call' inviting me to bank with the same bank - i told them I would stick needles in my eyes before I would even walk past their branch, never mind inside and speak to anyone.
So - you can beat a burocracy, you just have to play them at their own game.