Things have changed significantly over the last few decades...
FACT - When you walk into a bank, you are on your own when it comes to your own financial interests.
Everyone may be friendly and eager to help when you walk in the door, but the bank is a business, and it exists to make a profit.
That means that your bank wants to make money out of you.
This doesn’t mean bankers are not trustworthy or honest people. It’s just that they work for large corporations and their role is to sell you products offered by their employers which may or may not be the best financial solution for you - The better the deal they give you, the least amount of profits their employer makes.