The bank account anchoring bias may be just the base model predicting as best as it can, as OP described earlier. Imagine a random Internet page where you read "There is V in my X. The Y of Z A, in Bs, is _." What do you expect? V, of course! Because why would a person on the Internet ever join these two factoids if they were totally unrelated (as they are in fact in this example)? That would be a gross violation of basic writing and human communication norms (https://en.wikipedia.org/wiki/Cooperative_principle).