No, I don't work for a bank, nor do I necessarily have very much going for them. But I have heard tedious rhetoric like that trotted out ad nauseam, and am heartily sick of it. So the percentage doesn't matter? So why exaggerate to try to make a non-point? Why not use a more likely figure - less effective is it?

I'd like to introduce to you the concept of people doing work and getting paid for it. Someone changes your money, he gets paid for it. Someone else changes the same money, he gets paid for it. Like if a plumber installs a bathroom for you, he may want paying again when he removes it some time later.