At the end of 1997, I left the world of banking, where I'd spent more than 10 years learning about consumer credit and then enforcing federal banking laws. I learned that the average banker is a drone with delusions of power and the average bank teller has the I.Q. of pocket lint.
This article from the San Francisco Chronicle is a shining example of how truly stupid and unthinking banks and bankers are.
Bottom line: banks assume everyone except their wealthiest customers are criminals. If you don't believe me, read this article.
At least in the erotica world, we just assume everyone is a sex fiend, which has a lot more potential for fun.