I do think that there's a bit of active discouragement to this plan (such as it is), but the problem -- alas -- is that there are no alternatives. I'm as savvy as it comes with online travel Stuff, but they've made the change away from qualified human help before the machines have caught up. I avoid talking to humans when I can (I think it's been over 10 years since I've stood in line at an actual bank branch) but if you can't get accomplished what you mean to get accomplished, you've got to pick up the phone.
Thank Dog for headsets and wireless phones is all I have to say; at least I can get things done while I wait on hold ...
For the record, it wasn't an accent issue; it was a fundamental misunderstanding of English (and the product they purport to Support) that I was running into.
/jordan