Yep. Go a tiny little bit off-script and their brains vanish. I knew this would happen going in before I sent my down-payment. In the end, NFCU actually knew the terminology of what an MCO/MSO is and how it relates to titling a vehicle. Zero issues, approved in less than an hour. Being a vet continues to have its benefits.
I worked for an MSP as an IT manager for two well-known financial institutions a few years ago. Enshitification doesn't begin to describe it. One org (100% chance you've heard of them) that hired us hadn't patched their network and server systems ever, I kid you not. It took us three years to get it done. Thousands of patches across hundreds of OS, software and network systems. They paid a pretty penny to get it done. The best IT people are jack-of-all-trades, and masters-of-none, in my experience. I don't need you to know python, but I need you to be smart enough to research, develop, test and deploy a python solution within a reasonable time-frame. I guarantee the problem you're dealing with has been dealt with by someone, somewhere before. Those are the rock stars IMO.
I would've loved to have paid cash and been done with it, and I probably could've within a year but unexpected medical bills drained savings. I could wait and build it back up, but I'm fortunate to have a good job that pays well, so I'll be done with this (I hope) within a year or two and build savings back a bit slower as well. YOLO and all that.
That's the plan anyway, if the world's financial markets don't fall apart first.