Every time that I'm told to do paperwork online for anything, my heart sinks.
I think I recognise your username from education threads? I used to run a school faculty and - of course - I had to do all the admin for that online. Now that I'm no longer working and on my own, my confidence has gone.
Four years ago, I managed to do the bulk of the admin for my husband's estate by myself, but at least I was able to see people face-to-face.
I now manage to cope with doing my banking online, but it's taken me a while. I prefer to do things face to face, for fear of making mistakes. At the moment, my town still has actual banks but I worry about what will happen if the branches here finally close.
My local council now wants everything done online instead of at council offices. Sometimes, the forms are far from intuitive. (In spite of the fact that the one council system - for council tax - has my current address, a council worker input my old address after my husband died. I emailed several times to try to get that sorted out.)
It's supposed to be possible to use an online account to deal with all council related matters. I find that the online forms are badly laid out. You'll find yourself clicking on a link that doesn't work or being sent right back to the beginning. Thus far, I've been able to find workarounds, but my concern is that I'll not be able to do that forever.
So far as banking is concerned, I don't have all my savings with my main bank. I've resisted setting up online banking with my the bank where I have my ISA because I've read that it's security is not quite what it should be and I'm terrified of making a slip that's going to cost me my savings.
I've already had a near miss where I nearly allowed a scammer to access my mobile phone account of all things. (In my defence, it was early in the morning when they phoned, but I nearly fell for it, because part of the scam involved messaging where - I later realised - I couldn't see all the screen at once.) Fortunately, I cottoned on before it was too late.
I'm assuming that they intended to use my account to order expensive iPhones or the like.
Thinking about it, my main problem is that my confidence has gone. At the moment, I can manage to do online ordering via Amazon and the like without too much difficulty, but I wonder when that ability will go.