It's a showing excuse to do the same, ignore the rule(s), call that the whole set-up the responsibility of the whatever-word-isn't-the-people they're trying to take the choices from. They'll have it done as they surrender such rights for the ostensably any such whatever but what you actually want.

Guaren-fucking-tee-it. Banks aren't criminals. They're the one that invented the principle of such a word. That and the trick of misleading, deluding, tricking, etc. like the fucking CIA.