When they do this, I just laugh at them and tell them them to stop pretending. Is this rude? Maybe. Is it the truth? Definitely.

Edit: It's not just banks. Insurance companies and publicly traded corporation in general are just there to screw you over. I'm not a socialist or anything like that but I gotta say: The capitalist system is flawed. (Every system is flawed, a perfect system doesn't exist but it's pretty bad with capitalism)