I mostly agree, with the exception that I think the users of those accounts are split between people signing up for the limited extra features, and people signi

I mostly agree, with the exception that I think the users of those accounts are split between people signing up for the limited extra features, and people signing up because it makes them feel important, and I suspect at least a subset of the latter would love to refer to them as "their banker". It's probably not a very large subset, though. And yes, it's pretentious.