Why would you prefer and value your bank sending you some automated valueless security theater[1] over your relative sending you a human to human birthday greet

Why would you prefer and value your bank sending you some automated valueless security theater[1] over your relative sending you a human to human birthday greeting? And why would you build the system so that, for everyone, personal communication is expensive and burdensome, and for every company, mass advertising is cheap and easy? (Relatively cheap, because companies have vastly more money than individuals). This applies whatever the cost values is; if it's low, it's low for spammers. If it's high, it's high for individuals. And wherever "low" or "high" is, someone you like will think it expensive enough to be in the way and someone you dislike will think it cheap enough to be no problem. [1] if the bank stopped the attempted logon, I don't care. If the login was actually me messing up, I already know. If they didn't stop the logon, then they didn't detect it was fraudulent and wouldn't be emailing or calling at all.