For many older people, the night seems to be more complicated. From banking applications that require biometric verification to healthcare systems buried in portals and passwords, modern life often feels like it’s designed for anyone but the elderly. Although tech companies, banks and even government agencies claim they are simplifying their lives, the reality is different: complexity is everywhere and older people are paying the price.
It has nothing to do with ability or intelligence. It’s about systems that change at a rate that people can reasonably keep up with, especially those that continue to grow in a digital-first world. Unfortunately, chaos is not only inconvenient. It can lead to financial losses, poor health management and even legal troubles.
These are eight ways modern life is actually intended to confuse and disadvantage the elderly.
1. Digitalization and inaccessibility of banking
Once upon a time, the shore meant walking into a branch, saying hello to a familiar teller, and doing the transaction in person. Today, the entire financial world lives behind applications, passwords and multi-factor authentication codes. While these steps are designed to improve security, they create huge barriers for older customers who may not own a smartphone or are satisfied with complex verification systems.
Worse, some banks are closing physical branches completely, eliminating the relationships many older people rely on. This change will not only cause inconvenience. When older people are forced to browse online transactions they don’t know exactly, they are more susceptible to scams.
2. Healthcare hidden behind the portal
Healthcare adopts “convenience” through patient portals, telehealth systems and online scheduling. Although these tools sound effective, they assume that many older people lack digital fluency. Log in, searching lab results, or sending a message to a doctor usually requires remembering multiple passwords and navigating unfamiliar interfaces.
This confusion can delay important care. Some elderly patients skip follow-up appointments or ignore online messages because they cannot access the information. For those who manage chronic diseases, it is not only frustrating. This is very dangerous.
3. Passwords, pins and never-ending security checks
Now each service requires a password, usually with a mix of capital letters, numbers and symbols. Two-factor authentication adds another layer, requiring quick response to text code or application notifications.
For older people, especially those with memory challenges, this creates a daily stress cycle. Forgot a password to lock them outside of a bank, healthcare or communications platform. Writing it will bring security risks, but do you remember dozens of complex combinations? Nearly impossible.
4. Transportation applications replace traditional services
Gone are the days of calling a taxi. Now, ride-hailing apps dominate. For older people who don’t have smartphones or go online to credit card details, something as simple as going to a doctor’s date becomes a logistical nightmare.
Public transportation is not easy either. Many cities have switched to app-based ticketing systems, eliminating cash options and requiring technical access just to board a bus or train. This effectively excludes older people who do not use digital payment methods.
5. Government services that require technical skills
Do I need to renew my driver’s license, apply for Social Security benefits or update my Medicare information? Ready to do it online. Government agencies are increasingly pushing users to digital platforms, reducing face-to-face help. While this saves money for agents, it creates obstacles for older people without reliable internet access or technical confidence. Even simple tasks can turn into hours-long ordeals, causing some to give up on critical processes altogether.
6. Retail checkout without cash
Cashless transactions have become the norm, especially after the pandemic accelerates contactless payments. Although convenient for the younger generation, this disadvantage of the older person who prefers or relies on cash. Some older people don’t trust digital payments, while others lack credit cards or mobile wallets.
When stores turn down cash or require app-based loyalty programs for discounts, older people often end up paying more or walking away altogether. This is not progress; it is an exclusion disguised as innovation.
7. Subscribe to traps and beautiful prints
Streaming services, digital newspapers, dining kits – The subscription economy is booming. However, the cost of managing duplicates online can overwhelm older people. Many signed free trials without realizing that they would automatically renew at full price. Cancellation usually requires navigating the hidden menu or making multiple calls.
Complexity feels intentional. Businesses profit from the chaos and older customers who may not regularly check online statements become easy to target. Over time, these small expenses have exacerbated significant financial pressure.
8. A scam disguised as an official communication
Technology opens new doors for fraudsters. Forged emails from the “bank”, pretending to be phone calls from a Medicare representative, and text messages claiming suspicious activity to the account are now a daily threat. For older people who are already struggling with digital navigation, it is harder to find a scam than ever before.
What makes this particularly cruel is that older people are more likely to answer calls or answer messages out of politeness or fear of losing their benefits. The combination of complex systems and ruthless fraud has brought the perfect storm to financial development.
Why does this happen?
Technological changes are more effective than individuals can benefit companies and institutions. Automation reduces costs, digital platforms collect valuable data, while self-service tools reduce people’s needs. Unfortunately, these “efficiencies” often come at the expense of accessibility.
The elderly who account for an increasing number of the population are seen as a convenience afterwards. While some companies claim to prioritize “user-friendly” designs, the reality is clear: systems optimized for tech-savvy users rather than for inclusion.
How the elderly fight back
Despite the need for structural changes, there are ways for older people to reduce confusion:
- Using Password Manager: Security tools can store login details, eliminating the pressure of remembering dozens of passwords.
- Request alternative options: Request paper bills, telephone assistance or face-to-face service where possible.
- Learn through community resources: Many libraries and advanced centers offer free technical training courses.
- Establish financial guarantees: Enable alerts on your account and review statements monthly to charge unauthorized fees early.
But let’s be clear – it’s not just a high-level question. This is a social problem. Designing systems that intentionally or negligently exclude large populations is not innovative. This is through complexity discrimination.
Does modern life have a purpose to leave its predecessors?
The challenges faced by older people in today’s digital world are not random, they are systematic. Complexity benefits companies, not consumers and the elderly. As a society we need to demand accessibility in technology, finance and public services.
Do you think modern systems are intentionally complicated? What is the most confusing technique or process you face or watch a struggle with loved ones?
Read more:
9 “free” offers ultimately cost the elderly everything
8 Things I regret not having money
Riley Schnepf is an Arizona native with over nine years of writing experience. From personal finance to travel to digital marketing to popular culture, she wrote everything in the sun. When she is not writing, she will spend time outside, reading or embracing two corgis.
