The place where someone lives changes the set of "regular banks" one's exposed to.
Anecdotally, it seems Scots are more likely to say Scot* vs UK than are Welsh/English to offer the equivalent. I certainly grew up (in England) with the feeling that one had to be careful to say 'UK' if one really meant UK, for fear of similar reprimand to that when using a gendered pronoun that may or may not be correct.