What’s the logic behind comparing an online discussion board with random user-moderated subreddits to a financial institution? I’ve been using Reddit since 201

What’s the logic behind comparing an online discussion board with random user-moderated subreddits to a financial institution? I’ve been using Reddit since 2010 without issues, behaving poorly enough to get permabanned (which is different than being banned from a subreddit) is serious. There’s a story being left out here.