Bankers in a local branch are not competent sales man, good sales person should make customers feel good to offer the product they like to sell.
But bankers are always give the impression that they can tell me what I am. and I should buy what they offer if I want to achieve something better in my life.
And one day(actually, every visit to the bank) the bankers offered me I should upgrade my account If I have that account I can have a lot of benefits. But I don't think it was nesessary for the moment or I want it. So..
I said: Can I have brochure? so I can think about it and I will come back when I need it"
Banker said: "For instance you go out bank now and imagine you cross the road and a car crush to you. And if you have this account your family can be rewarded money from this insurance."