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Around here, it is possible to suggest that businesses are actively hostile toward customers without being contradicted. No one ever explains why they give the majority of their income to these adversarial entities. I don't think you're making that suggestion, I think you are giving vent to legitimate annoyance at the occasional, small lapses in customer service, like new credit card readers that are worse than the old ones. Do you have a bank account? Why did you choose your bank, or your credit card, instead of another? Of course banks try to make more attractive products. If they don't (and can't secure some kind of bailout), they fail.