I'm curious about #3. I've done some online chats with tech support where I was chatting with a real person, and I found them infuriating. First there was the very fake small talk the reps are required to do. Then there are the long pauses between when I input information and when they react to it because they're clearly chatting with 4 or more different people at the same time. Then they don't really read what I wrote carefully and give answers that make no sense or that I've already said don't work.

Like anything, it depends on how the person on the other end acts, but in my experience, they're set up to make the interaction repulsive.