Probably 80%+ of the time, I find any online sites to be just broken and awful. And most are either some kind of 3rd party thing (e.g. contractor who is using intuit quikbooks) or probably was paid for once to some web consultancy (e.g. some international community group i volunteer with that has required online training). They all are immediately obviously bad, broken, dumb, wrong, unhelpful, misleading, and plain stupid. The kicker being that since they are 3rd party, nobody has the leverage or money or time to actually fix things. Like, not even basic bugs, let alone the overall UX.
And of course the other usual places to experience horrible UX have not gotten any better. When the insurance company said they would call me back later, and they did, the IVR hung up on me when I pressed "1" to accept. It did this twice. And the process of even getting to that point was a nightmare itself.
To some degree there isn't enough regulatory or competitive reason for any of these things to actually get any better, 'natch.
