Nobody likes chatbots/conversational UI for anything other than chat, right?

I have a savings app with conversational UI. I press one of a number of options e.g. "Savings". There's this artificial delay after the network request has been made so that it looks like the app is typing back at you. Why???

You then get another limited set of options, or you can tap "Back". These options are supposedly as if you typed it back as a response.

I can get three "questions" (levels) deep, let's say to deposit cash, only for it to turn around and say that I've reached a daily/weekly limit? At each level there's this awful delay, and you already knew I wouldn't be able to perform the action regardless of my responses after my very first "message"!

Why is this good/popular? And the whole thing totally breaks if there's any loss of connectivity.

Stop it. Please.