As a customer, I've always felt that companies that have a lot of advertising (eg, certain insurance and banking companies), are wasting their current customers

As a customer, I've always felt that companies that have a lot of advertising (eg, certain insurance and banking companies), are wasting their current customers' money. Just stop to think how much a TV ad costs, then think about why the company you have your mutual fund with has to charge so much for "management and overhead". Car insurance premiums went up? But the little lizard on TV said they were the cheapest!