I doubt that it is a problem with the dev team, or a PM's lack of org clout or lack of API access (apparently the app could functionally do what it needed to do, except perhaps the final step, which might have required correcting an expired CC. iTunes has the same flaw when my card expires, requiring me to login from my desktop to fix). In my opinion, this is purely the fault of the PM or PO for lacking any sort of understanding of proper interaction design or making it a point to enlist the help of others who do, with the end result being a horrible UX.