I always felt Marcie's use of "Sir!" for Patty was an acceptance and respect for Patty's tomboy-ness, which is why I ship.
But, yeah, after seeing the replies and checking the Wikipedia article, I think I do remember some scenarios that made Patty's attraction to "Chuck" coupled with his obliviousness the punchline.
Probably Plaid. They ask for online banking credentials instead of doing the "traditional" collect ACH, do two sub-dollar transactions, confirm amounts.
They settled a lawsuit that claimed they were scraping private transactions and selling them. They didn't admit fault, but I still refuse to hand them my credentials.
Despite that, they remain popular, since MOST users willingly provide those credentials and get a faster account linking experience, which makes them much more likely to stick around and transfer money into the service recommending Plaid as the linking method.
I've also heard there as some services that refuse to use the "traditional" ACH method of account linking, only allowing Plaid.