I've got to admit, Scott Adams still has the "stuff"... Don't you find it amazing that 3 panels in a comic strip can totally get to the root of the problem and help you identify, squarely, with Dilbert?
What is it with companies (not just banks) that continue to do this crap? Do they think that their pursuit of the almighty dollar makes their decision making a process that is not important? Is that the justification for these bad decisions? It's like these people are all 5 or 6 year olds...
... maybe it's something like what I posted back almost 7 years ago, e.g. the difference between the car salesman and the software salesman?