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?
http://dilbert.com/blog/entry/stickiopolies/
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?