You’d need to hear stories from the trenches to understand my comment. My brother works in a branch, most of his day to day activities are explaining to people

You’d need to hear stories from the trenches to understand my comment. My brother works in a branch, most of his day to day activities are explaining to people why they don’t have enough money in their accounts. “Well Jim, you spent $100 at McDonald’s yesterday and the day before that you spent $500 at a shopping mall. That’s probably where your pay cheque went!” “My wife and I just can’t understand how we’re in debt, we make 10k a month.” “Well you spent 15k on your 6 credit cards last month, that’ll do it!” “Oh”.