I dislike the fact even more then the idea.
Called a bank recently.
They: "please say in a word the subject your call is about so we can immediately connect you to the right department "
Me: “LOAN”
They: you said “limits on your cards”, 1 for yes 2 for no
I tried 3 times, gave up. They won, I guess.
but they might be worth a lot in 30 years if you take good care of them!