Why Is Bad Software Okay?

I'm not sure if you've noticed, but there's a lot of software that just isn't very good. This isn't to say that I make the best software or am somehow better than the people who created all of this software. It's just an observation that the standards of what is deemed "shippable" seems to be at an all time low. We are so used to errors and interactions not working the first time that we all have a personal troubleshooting loop. Bugs and broken interactions are just becoming the norm because, as users, we've learned to accept them. One experience yesterday made this point especially poignant to me. Since my wife and I just moved, we're approaching our first bill cycle. I have six or seven different services that I needed to set up my online accounts with. This was an onslaught. Misconfigured form inputs. Forms getting cleared on errors. Logins not persisting. Disabled paste for bank account numbers (I think this one might be more standard, but paste will always be more accurate than me typing it manually, and I will die on this hill). Pages straight up crashing. Some companies already had an online account for us at our old house, and trying to get that user account to point to a new service account number was a trial out of the fifth circle of hell. I did eventually get everything set up the way that I needed to. But, it was a harrowing experience. Amidst the muck, our trash company of all services had an excellent user experience. The website looked like something from the early 2000s. It had un-styled form inputs and full page loads when navigating (*gasp*). But, I created a new account using my account number and paid our first bill, with some helpful error messages that didn't wipe out all of the inputs that I'd already entered, all in about three minutes. I don't have a bow to put on this rant, but I do think that it's ironic that in the name of UX, we've adopted systems that are so complex and abstract that it's perfectly acceptable for a form submission to w