Indeed, the high-road business model of a bank allows you to continually challenge the model with the question: Does this banking model interfere with a notion of public welfare and economic common good? Or advance it? But there are also flawed business models that create misaligned incentives that lead to what I believe are low-road outcomes.
Such outcomes stem from a banking model that blithely ignores the core function of banks as financial intermediaries between those who have credit  2  BIS central bankers’ speeches  and those who need it.