It all comes down to one thing - profit. If a bank or insurance company can't make money, they won't offer the plan. They're all owned by stockholders who expect a return on their money. That's what capitalism is. If a company's officers can't make money for the stockholders, there will soon be a new set of officers.

“In a time of deceit telling the truth is a revolutionary act.”
― George Orwell

It's not over when you lose. It's over when you quit.