Also there is trouble with back end IT systems. Like I had some trouble with my homeowner's insurance which was initially my fault [1] but my insurance agent was gracious and helped resolve it and my wife paid her right in her office. Then they do some software update and in the process cancel my policy and I get a letter from my lawyer [2] wanting to collect $82.54

[1] although if I was trying to design a spell to make people not pay their bill I might try sending them 20 letters that say THIS IS NOT A BILL before they get the bill

[2] who is also their lawyer