It also managed to hit home some issues I experienced recently. Long time ago, I was a teller/banker and I was still selling, but the recent experience of in person account opening was just bad ( no rate quote, disclosures thrown at the end for the sake of compliance, and promise of a call back for an issue I raised that I never actually got.. come to think of it ). The poor kid did not know anything about what he was selling and that was basic UTMA savings.

Anyway, what I am saying is that is well worth the read; especially the bit about constant firefighting.