a) If they screw up payroll and the numbers reported to the government are wrong, you'd have to correct that even if the government sent you a pre-populated form (and if they screw up payroll, but the numbers are still right, then that's also what gets imported into the tax software).
b) If you don't have a bank account, you didn't earn interest from the bank, and there's nothing to report.
c) Robinhood, Webull, and Coinbase all integrate with TurboTax. If you were trading crypto without using an exchange, then yeah, that'll be harder to report. But this will be equally hard regardless of whether the government sends you a pre-populated tax form (which won't include these trades).
a) Well, not quite. As it is, you have to work with your employer to get it fixed. If the government is responsible for populating the form correctly, then you notify them, and they go to your employer. This is the difference between disputing overtime underpayment with your boss and getting the DoL involved. I'll let you guess which is less of a headache for the average worker.
b) If you don't have a bank account, paying for tax prep services becomes more complicated. You're also probably using shadow banking services that don't allow you to import info. Have fun doing it manually.
c) Ostensibly. In practice, they all had massive issues with correctly reporting cost basis and other important figures. So even with using an exchange, you had issues to deal with (again, manually).
So, I'd say it's all quite relevant. Your quick dismissal of such concerns is a large part of the problem.
a) If they screw up payroll and the numbers reported to the government are wrong, you'd have to correct that even if the government sent you a pre-populated form (and if they screw up payroll, but the numbers are still right, then that's also what gets imported into the tax software).
b) If you don't have a bank account, you didn't earn interest from the bank, and there's nothing to report.
c) Robinhood, Webull, and Coinbase all integrate with TurboTax. If you were trading crypto without using an exchange, then yeah, that'll be harder to report. But this will be equally hard regardless of whether the government sends you a pre-populated tax form (which won't include these trades).