* Cashier standing at end of open lane invites me to her lane. I accept.
* Cashier offers to unload my cart. I say, "oh, no, thanks."
* Cashier walks behind checkstand; I start to unload cart; cashier starts to ring me up. As far as I can tell, I'm keeping up with the cashier.
* Suddenly, a bagger is between me and the cart, saying, "Here, miss, let me help you unload." [Tangent: "Miss"? Really? I haven't been called "Miss" in decades and I've come to prefer "Ma'am".]
* I am very startled, and automatically apologize for being too slow.
* Bagger says, "Oh, no, not at all," but I'm already upset and shaking.
* I spill my wallet all over the checkstand, and babble more apologies as the cashier helps me clean up the mess I've just made.
* Bagger offers to take my cart to the car and load it for me, and I decline MUCH more fervently. I don't recall my exact words, but I think they were along the lines of, "Oh no no, please no!"
* I come home and post, while crying and swearing I'm never going to a human cashier again if I can possibly avoid it.
So, in retrospect, I think it was probably more like 75% my fault and only about 25% Corporate Policies I Still Don't Like.