You pay for service, for, service, flexibility, and and advice. Service= a dedicated banker with whom you can call directly with issues/problems Flexibility=

You pay for service, for, service, flexibility, and and advice. Service= a dedicated banker with whom you can call directly with issues/problems Flexibility= Custom solutions / humans in the loop decisions. E.g. I know someone who was able to procure a 90 day bridge loan implying dizzying leverage as he was buying a business and buying + selling a primary residence because he was able to sit down with someone, walk through the merits with a human underwriter. Advice= Conduit of multitudes of expert opinions around insurance, tax, estate planning etc.