I thought this same thing. Then Covid happened & I was trying to get a PPP loan from my bank. Nope, nothing. A nice smaller bank not only took me out for drink

I thought this same thing. Then Covid happened & I was trying to get a PPP loan from my bank. Nope, nothing. A nice smaller bank not only took me out for drinks but also got my PPP loan approved in a very short period of time. That service was significantly better than all the combined service of the larger bank over the prior years. Something, something trade-offs.... Always trade-offs.