“Well actually” in System 1 and later Classic macOS the puzzle and the calculator are ”Desk Accessories” that is applications that can run simultaneously as other apps, even though the operating system does not support multitasking. The rounded corners are there to distinguish them from the current running application.
The banks did not block it. The Swedish state did not want to spend 50-100 kr per citizen to distribute the secure element. They instead opted for aligning with the one set of institutions that already had somewhat good customer knowledge and could bear the cost, the banks. The incumbent telco (Telia) also tried but their system was even worse than bank id.
This was also confirmed by a Valve developer recently about a bug in HL2:
The definition of a complex system is the qualifier for the quote. Many systems that are designed, implemented and found working are not complex systems. They may be complicated systems. To paraphrase Dr. Richard I. Cook’s ”How Complex Systems Fail” where he claims that complex systems are inherently hazardous, operate near the edge of failure and cannot be understood by analyzing individual components. These systems are not just complicated (like a machine with fixed parts) but dynamic, constantly evolving, and prone to multiple, coincidental failures.
A system of services that interact, where many of them are depending on each other in informal ways may be a complex system. Especially if humans are also involved.
Such a system is not something you design. You just happen to find yourself in it. Like the road to hell, the road to a complex system is paved with good intentions.