the bank people vs bank customer

Honestly, I'm trying to cut down the rants and what not, but every time I have a lousy experience or dissatisfying time some place, I feel the need to blog it.

Today, was no less another, really painful, time wasting, turn-red-in-the-face, temperature rising, rage overpowering encounter, when I tried to go to the bank to open a new account.
Let me lay out my 2.5 hours trying to open an account, as simple as possible.

First, I was told that because my identity card's address was of Melaka and NOT Selangor, I must open an account in Melaka, or bring a bill with my name on it (and of course the address must be in Selangor). So, I went back to the apartment, to do just so, and returned to the bank.
TIME WASTED: about 50 minutes.

I finally get to fill in the form and my application gets processed. ONLY to my dismay, that because I wrote on the form that I was a graduate (I wanted to put Dr for once and not Mr, but wasn't the wisest of ideas) and was working in IMU (which basically made me open the account to begin with for payment purposes), they wanted the full address of the 'company'. To this, I have to thank Li Shun for helping me out by getting the address.
TIME WASTED: another 20 minutes or so

FINALLY, the card is ready, everything is in order, and I had to John Hancock about a dozen times, and the guy says to me, you have to go change the PIN of your ATM (ABM for those in Canada) card, then make a deposit, to which, I was certain he initially said MYR 150. At this point, I thought to myself, "Fortunately, I brought MYR 200 with me", and was happy that I was ready for at least one part of my banking experience. Just as he handed me my new card, he said, "Okay, so go change your PIN, and then go to the deposit machine, and put in MYR 250".
!!!!!!!!
MYR 200 was not acceptable to them. I asked. Guess what I had to do?
TIME WASTED: another 15 minutes.


Please do tell me, WHY OH WHY can't the services in Malaysia be a little more efficient and user/customer friendly?
The rate I'm going, I can actually write my own book of Lamentations. I'm serious.