Business can definitely afford a certain level of "negative" production value. In fact, doing so to their worst clients or especially would be competition can be beneficial to them, as the funds cannot be removed for a time. Yes, doing this is probably illegal due to banking regulations... If it can be proven to be malicious.

A public institution has to at least actually care about their public image or risk getting voted out, protested or picketed if it annoys sufficient amount of people, or sufficiently powerful people, in a democracy. A private one would just declare insolvency, restructure and rename, while still keeping the profits it achieved by "negative" bureaucratic actions.