Banks like to think that branch employees (bank tellers) are sales people. Most of them give ‘goals’ to each employee requiring them to open a certain number of new accounts, land a certain number of loans, etc each week/month. It isn’t ethical since the only people you can really sell on those services are the ones who should least get them. Anyone who actually wants/needs the services will come to you.
Wells Fargo differed from the rest of the industry by setting completely impossible goals, not just unethical ones. This led to them developing a culture where signing people up for services they didn’t agree to became commonplace.
The lack of pressure leads to absurd file sizes for silly things.
A few weeks ago, I needed a vector company logo, so I asked our graphics team for one. The file they sent me was 6MB. While working with it, I noticed it was actually quite clean, so I exported it as an SVG and it came out to 2KB. 1/3000th the size for the exact same graphic.
I opened their file up in a text editor and found font configs for specific printer models (in a graphic with only filled curves), conditional logic, multiple thumbnails, and other junk.