To most people, and for good reason, a bank is a bit like a doctor's office or a mechanic's. It is supposed to employ experts who give well-meaning advice in areas where the lay person, busy with work, friends and family, cannot be an expert. Yes, there is potential for abuse in this. My doctor could milk me for a lot of money by convincing me I am sick when I am not. A mechanic could scam me for a new flux capacitator. A consumer banker could push me into inappropriate loans or sell me investment products that are too expensive or that I don't need.