> Perhaps we're just supposed to know that, but this is never > directly explained in the story and …

> Perhaps we're just supposed to know that, but this is never > directly explained in the story and I found it a little upsetting. This might be an age / generational thing, but all of the issues described in the article are immediately obvious to people who grew up before internet banking. The default for business accounts in "traditional" banks is that they're handled by a specific named account manager, who is given the credit (or blame) for that account's growth over the years. So walking into some remote branch and opening an account will tie that account directly to the political success of whoever was sitting across the desk from you when you signed the paperwork. It's a failure mode that doesn't need an explanation to people who are the expected audience of the article. In software terms, imagine an article about launching an MVP that starts off with "so I copy-pasted some PHP from StackOveflow and ran it with default permissions in the same database that stores customer credit card details ...". There doesn't need to be a long digression about why that's bad.