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Um, banks are no different than your auto mechanic. They want and are competing for your business. You can always tell them take it or leave it.Allow me to generalize here but in the minds of the majority of average folks pretty much everywhere in the world, banks and bankers used to hold a certain status, an image of serious business and grave importance and a position of some sort of respect. Same goes for politicians. And I cannot tell you how many times such average folks would not believe me that banks loan out, let's say, 10 times as much as you are giving them and that's already conservative. It has only started to slowly change now after all the crises that people start to look down on banks and bankers but you have no idea how many banks over here are pulling the "that was them, not us, we are still serious business and reliable!!!" to win customers over and get away with it.
The point I am trying to make is, most average folks really have no idea what a bank is doing exactly, how they work and how they are doing stuff you can definitely describe as playing with money; and they have no way of evaluating whether that friendly guy with the nice suit and tie and firm handshake is actually just an office drone, like most "bankers", who acts all important and serious, or if they really have anything to say - which most of the time they don't. So banks get away with holding up that "serious business" status with which they can shame you.
And most people typically want something from a bank, at least they walked up to the bank, and aren't exactly the most mature and educated kind of customers to begin with, so they definitely do see banks as something different from their mechanic and they certainly won't slap their oh-so-trusted banker silly with demands but will suck it up and sign and feel like they came begging the whole time. And how ridiculous it would seem to them to suggest maybe bringing in a lawyer so your trusted bank doesn't rob you blind!
And banks know exactly what they can get away with - the masses who have no leverage will certainly not get the humane and professional treatment of an exclusive private bank or a family office; they have no leverage, so they get treated like shit and beggars at their local SuperSeriousTrustworthyPlebeianBank because they hardly have an option or choice anyway. Go to PlebsBank instead, they will offer you practically the same deals in different wrapping and same shit treatment.
And finally, most of us are brought up with respect for money and professional business settings, so banks, bankers and their suits definitely trigger and touch the right buttons on most people there and shame you into feeling bad since most money issues are pretty tough for the real 99%ers. IT guys are usually well off and could easily cut most of their monthly expenses since none of them are vital.