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I would say that the Citibank loan payment fiasco was mostly due to bad software design - which yes is mostly due to bad management priorities and validation. I don’t think most people look at that and say “that was pure user error, the software is fine”

On the other side of the spectrum there’s pure user error aka pebkac.

Where does this instance sit on the spectrum, I.e. even although it is possible to do a lot of things in excel, it’s often not a good idea to do many of things in it for a variety of deficiencies.




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