Nothing involving paperwork ever takes as little time as it should...
I'm still annoyed with my bank because of the time they switched my home address to my Dad's somehow...but made me fill out complex forms and SIGN them to get it switched back.
Of course, that isn't as bad as what happened to my boss and another co-worker. They both chipped in on a trailer to use for snowmobiles, and therefore registered it in both names. However, someone at the DMV checked the box on their form that said "civil union partners" and all their official mail started going to the same address. Not only that, but the department said it would cost 'em to have one name removed or in any case to set it straight (no pun intended).
*snicker*
In the end they just took one name off when re-registering, but it's still a topic of jokes occasionally.
Oh, that is funny... Nothing that bad has ever happened to anyone I know. I got my bank account when I was 16, though, and the only way they'd let me have one is if my dad's name went on it too. So technically he could have drained it any time he wanted... not that he would have.
Of course, I've known my parents' PIN number for years and years, and only ever used it once (at a store that wouldn't take credit, only debit, and I didn't have any money at all and Mom needed what I was buying).