No reason to be smug.
I didn't realize that I was putting a third party bank between me and the IRS when I agreed to pay for services out of my refund, but I didn't have the money at the moment so I did what worked best for me, but we can call it foolish - that's fine.
When the IRS released a webpage to update my banking information, for some reason I didn't think that I would need to update banking information that I used to get my refunds and first stimulus check since, you know, my bank account information had not changed in that time - again, let's just call foolish, silly me.
