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Good thread.
Although the original question is heavy with presupposition, and could be rather leading.
I don’t thinks its about loyalty. The world is being raped by banks. The same way motorists are with automatic speed cameras
I smell:

Too much info out there for most. Especially too much, to sift and filter the actual info needed to change the world around us. It would seem far more important to stay afloat in life, than to hold onto that newspaper while one is drowning.

Every business can learn from the banks. It doesn’t matter what you do, (how bad your service and fees get) if you do it slowly enough, market to values well enough and engineer the minds in you market fluently enough- you can get away with anything.

Bring back the gold!