patio11 (bitsaboutmoney) invests in the banks he uses, and then is able to call investor relations when he's having trouble with that bank.
https://www.bitsaboutmoney.com/archive/banking-in-very-uncer...
https://www.bitsaboutmoney.com/archive/banking-in-very-uncer...
I could easily see it being worked into something satirical in the style of Snow Crash, where there's a loyalty program in silver/gold/platinum, and then an undisclosed super-tier of investor ruby, investor diamond...