Comparing your bank account against an Apple template seems like a big waste of time. What is the point of this? Just a hook to get people to signup to your service and fill them with wild ideas of being the next Apple based solely on finances?
The Apple template is just an example account so you can see how the service works and how the features can be used in a real company without explaining everything in a lengthy documentation.
Nice way to collect all kinds of otherwise private info.