They've taken over by making themselves indispensable and convenient.
Then one day you learn that something that used to be easy and staightforward now now requires internet access. You can choose not to drive, too, but then suddenly life becomes very inconvenient.

It's nice to be able to pay your bills online, but when you learn it costs you extra to pay them by mail, then it is no longer a convenience, it is a necessity. And of course, using the phone to get something straightened out is no longer an option, and nowadays it seems something always needs to be straightened out.

"To serve you better, our options have changed. Please listen carefully...". And if course, the option you want never seems to come up. I'm all in favor of technology when it makes my life easier, but more and more often we have to use it becomes it makes someone else's life easier.